Mortgage Loans

Whether you are buying your first home, next home, a vacation home, or refinancing, let us help you navigate through the home loan process.

Purchase a Home


Real Estate ToolBox

Use the equity in your home to arrive at your destination.

Purchase a Home

  • Primary, secondary, vacation, and retirement home loans
  • Conventional and jumbo mortgages
  • First-time buyer programs with low down payments
  • 95% financing may be available
  • FHA (financing in Virginia, Maryland and the District of Columbia only) and VA loans (purchase only)
  • Fixed-rate terms from 15 to 30 years
  • No points loans for minimum up-front costs

For more information, contact Credit Union Mortgage Association (CUMA) at 571-490-8017 or e-mail.



If the current value of your home has increased it may be the right time to refinance at a better rate, or refinance to consolidate debt or plan a home improvement project.

  • Want to refinance your Adjustable Rate mortgage to a fixed-rate mortgage?
  • Get another ARM with a more favorable interest rate?
  • Build equity in your home at a faster pace by going from a 30-year loan to a 15 or 20 year loan?
  • Convert your existing equity to cash for college, home improvements, debt consolidation or financing a vacation home?
  • Reduce monthly payments on a fixed rate loan?

For more information, contact Credit Union Mortgage Association (CUMA) at 571-490-8017 or e-mail.



Buying or Selling?  We're here to help you save time and money.  We'll walk you through every step with a range of real estate tools.

  • Search and compare the same property listings used by real estate agents.
  • Connect with an experienced real estate agent from a pre-approved network of agents, and qualify for a rebate on the purchase/sale price when you use that agent.
  • Determine the value of your home.
  • Research neighborhood demographics, crime rates and schools.

Our partnership with HOMEAdvantage powered by CU Realty provides you with the information you need to make the best decision when buying or selling your home. You can quickly and easily access all the tips, tools and listings you need to buy and/or sell a home, and save hundreds, if not thousands, of dollars along the way! 

Put your savings toward reducing your sales commission, trimming your closing costs, lowering your mortgage points, or discounting your end sales price. Or take the money as “cash back” at closing and use it to fund your move or buy new furnishings.