From buying very first house to refinancing a current mortgage; or benefiting from our Car Buying solution for you to get credit cards with competitive prices and zero charges, we’ve got the loans and personal lines of credit you’ll need.

Home Loans

Opt for a loan provider it is possible to trust. At DOCFCU, our experienced mortgage brokers is going to be you to choose the mortgage option that fits your needs and budget with you every step of the way, helping.

• Fixed and rate that is adjustable available
• Loan amounts from $75,000 – to $1,500,000
• Designed for main residences or 2nd domiciles (no investment properties)
• Loans around 97% loan-to-value*
• First and mortgage that is second loans as much as 90per cent loan-to-value



• Handle your loan online, including payments that are making
• Designed for houses in every 50 states

• Obtain a personalized, no responsibility rate estimate
• Get pre-qualified for the next mortgage
• Explore the resource open to help you create wise choices

Convenient On The Web Mortgage Access

You will see your home loan declaration, review your re payment history, check always your escrow balances, and even make an immediate payment that is online your account.

Have Mortgage Concerns?

For concerns regarding our application procedure, to obtain pre-approved or even ask basic questions regarding getting a DOCFCU mortgage, please contact our professionals straight:

Residence Equity Loan and personal credit line – Zero Closing expenses*

A house equity credit line from DOCFCU may be a smart method to fund many different requirements, including a property renovation or repairs, training costs, the journey of an eternity, and on occasion even merely to combine financial obligation. Our lenders that are experienced willing to assistance with tailored personal credit line simply for you.

A house equity loan, or trust that is“second, is another choice that substitutes a set price when it comes to adjustable price of a house equity credit line.

*No closing costs on an advance that is initial of10,000 or even more. Borrow up to 90% of one’s home’s value (minus your very first home loan balance) as much as $250,000 must certanly be qualified for DOCFCU account. Other limitations may use, call us for details. NMLS #810389

Residence Equity Credit Line

• A reduced variable interest price of Prime+0*
• No closing expenses for an initial advance of $10,000 or maybe more
• Tax-deductible interest payments (speak to your taxation advisor for details)
• The capacity to borrow up to 90per cent of the home’s value (minus your very first home loan stability) as much as $250,000

Residence Equity Loan (2nd Trust)

• The lowest fixed price
• Tax-deductible interest re payments (consult with your tax consultant for details)
• The capacity to borrow as much as 90per cent of the home’s value (minus your very first home loan balance) as much as $100,000

Automobile Financing

A car loan from DOCFCU will allow you to drive a difficult deal. Regardless if you are thinking about purchasing an innovative new or used vehicle, or refinance your existing automobile loan to truly save cash, our low prices and value-added services make a difference that is big.

• As much as 105per cent on used and new financing
• Fast approvals ( Within 24 hours or less)
• Price matching open to members that are qualified
• Union rewards discounts (can’t be along with match price)
• Free Autocheck for utilized cars with application for the loan

DOCFCU Vehicle Buying Service, Running On TrueCar в„ў

We shall additionally offer offer a part .25% from the rate with the certificate of purchase if they use True Car and provide us.

Automobile Loan Calculators

Make use of our calculators that will help you calculate your payments that are monthly.

There’s more to a good deal than the usual price that is good. That’s why a variety is offered by us of extra programs and tools to assist you both purchase sensibly and protect your investment.

GAP Insurance to guard Your Loan

Assured resource Protection (GAP) insurance coverage assists relieve your monetary burden by spending the difference that is potentially high-cost your insurance coverage settlement as well as your loan stability on things straight linked to the purchase of one’s car.

A loan officer to learn more, please contact.

Features

• 90-day free look – you might cancel your security within ninety days of one’s enrollment date and get the full reimbursement with no termination cost.
• Skipped payments – security includes skip-a-payment or delinquent-payment features when it comes to life for the economic contract.
• Available on loans – safeguards brand new and utilized vehicles.
• Main car insurance deductible – pays as much as $1,000 of the automobile tax deductible.*

Extensive Car Provider

Safeguard your self from unforeseen, high-cost repairs, and of course, boost the resale value, if you opt to offer your car or truck.

Many major automobile repairs happen following the factory guarantee duration stops. Without a car Service Agreement (VSA) — you may possibly ramp up spending money on unforeseen and repairs that are expensive. As being a total outcome, extended protection for car repairs happens to be absolutely essential. Department of Commerce Federal Credit Union has teamed up with Intercontinental Warranty Services to offer a far more affordable way of protection for the brand brand new or qualified vehicle that is pre-owned.

Consult your loan officer regarding your choices and understand how you might cut back to 50per cent off dealer prices. You may qualify for protection even although you don’t actually have a car loan with Department of Commerce Federal Credit Union.