From buying very first house to refinancing a preexisting mortgage; or benefiting from our Car Buying solution for you to get a charge card with competitive prices and zero charges, we’ve got the loans and credit lines you’ll need.
Home Loans
Select a loan provider you can rely on. At DOCFCU, our experienced mortgage brokers is going to be to you every action of this method, allowing you to pick the mortgage choice that fits your preferences and spending plan.
- Fixed and rate that is adjustable available
- Loan amounts from $75,000 – to $1,500,000
- Designed for main residences or 2nd houses (no investment properties)
- Loans around 97% loan-to-value*
- First and mortgage that is second loans as much as 90% loan-to-value
- Handle your loan on the web, including payments that are making
- Readily available for domiciles in most 50 states
- Get a personalized, no responsibility rate estimate
- Get pre-qualified for the next home loan
- Explore the resource open to help you create choices that are smart
Convenient On The Web Mortgage Access
You will see your home loan declaration, review your re re payment history, look at your escrow balances, and even make a primary online repayment from your bank account.
Have Mortgage Questions?
For concerns regarding our application procedure, to have pre-approved or even ask questions that are general getting a DOCFCU mortgage, please contact our specialists straight:
Residence Equity Loan and personal credit line – Zero Closing expenses*
A property equity personal credit line from DOCFCU could be a smart solution to fund a number of requirements, including a property renovation or repairs, training costs, the trip of an eternity, and even only to combine financial obligation. Our lenders that are experienced prepared to assistance with tailored credit line simply for you.
A property equity loan, or trust that is“second, is yet another choice that substitutes a set price when it comes to variable rate of a property equity personal credit line.
*No closing costs on an initial advance of $10,000 or higher. Borrow as much as 90% of one’s home’s value (minus your mortgage that is first balance as much as $250,000 needs to be qualified for DOCFCU account. Other limitations may use, call us for details. NMLS #810389
Residence Equity Personal Credit Line
- A decreased interest that is variable of Prime+0*
- No closing expenses on a preliminary advance of $10,000 or even more
- Tax-deductible interest re payments (speak to your income tax consultant for details)
- The capability to borrow as much as 90per cent of one’s home’s value (minus your very first home loan stability) as much as $250,000
Residence Equity Loan (2nd Trust)
- A minimal rate that is fixed
- Tax-deductible interest re re payments (speak to your taxation consultant for details)
- The capability to borrow as much as 90per cent of one’s home’s value (minus your first home loan balance) as much as $100,000
Automotive Loans
A car loan from DOCFCU makes it possible to drive a bargain that is hard. Regardless if you are buying a unique or utilized vehicle, or refinance your existing automobile loan to save cash, our low prices and value-added solutions could make a huge difference.
- As much as 105per cent on used and new financing
- Fast approvals ( Within a day or less)
- Price matching open to qualified users
- Union benefits discounts (is not along with match price)
- Free Autocheck for utilized cars with application for the loan
DOCFCU Automobile Buying Service, Run On TrueCar в„ў
We’re going to additionally offer provide an associate .25% from the price with the certificate of purchase if they use True Car and provide us.
Automobile Loan Calculators
Make use of our calculators to assist you calculate your monthly obligations.
There’s more to a good deal compared to a good cost. That’s why a variety is offered by us of additional programs and tools that will help you both purchase sensibly and protect your investment.
GAP Insurance to guard Your Loan
Fully guaranteed resource Protection (GAP) insurance coverage helps relieve your monetary burden if you are paying the possibly high-cost distinction between your insurance coverage settlement as well as your loan stability on products straight linked to the acquisition of the car.
To find out more, please contact that loan officer.
Features
- 90-day free look – you’ll cancel your security within ninety days of one’s enrollment date and get the full reimbursement with no termination charge.
- Skipped payments – security includes skip-a-payment or delinquent-payment features for the lifetime associated with the agreement that is financial.
- Available on loans – protects brand new and utilized vehicles.
- Main vehicle insurance that is deductible as much as $1,000 of the automobile tax deductible.*
Extensive Car Provider
Safeguard your self from unforeseen, high-cost repairs, not forgetting, raise the resale value, if you opt to offer your automobile.
Many major vehicle repairs happen following the factory warranty duration ends. Without a car Service Agreement (VSA) — you may possibly ramp up spending money on unforeseen and expensive repairs. Being a total outcome, extended protection for car repairs is now a requisite. Department of Commerce Federal Credit 
Union has teamed up with Intercontinental Warranty Services to offer you an even more affordable way of protection for the brand brand new or eligible pre-owned automobile.
Consult with your loan officer regarding the choices and find out how you might cut back to 50per cent off dealer prices. You may qualify for protection even though you don’t actually have a car loan with Department of Commerce Federal Credit Union.