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Mortgage Center

All the tools and information you need to buy, refinance or improve your home.

What's Your Mortgage Goal?

As Low As
5.17% APR

Predictable rate for the life of the loan.

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PROGRAM
30-Year Fixed Rate

PURCHASE 5/1 ADJUSTABLE RATE-MORTGAGE

As Low As
4.00% APR

Initial rate is usually lower than that of a fixed-rate mortgage.

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PROGRAM
5/1 ADJUSTABLE RATE-MORTGAGE AMORTIZED OVER 30 YEARS

REFINANCE 30-YR FIXED-RATE MORTGAGES

As Low As
5.29% APR

Predictable rate for the life of the loan.

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PROGRAM
30-Year Fixed Rate

REFINANCE 5/1 ADJUSTABLE-RATE MORTGAGE

As Low As
4.04% APR

Initial rate is usually lower than that of a fixed-rate mortgage.

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PROGRAM
5/1 ADJUSTABLE RATE-MORTGAGE AMORTIZED OVER 30 YEARS

HOME EQUITY LOANS (FIXED)

As Low As
4.11% APR

Fund life’s major purchases, home improvements, and more.

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MAXIMUM TERM FOR RATE SHOWN
5 Years
MAX. CLTV FOR RATE SHOWN
60% of your home's value
LIEN POSITION
Secondary only

HOME EQUITY LINE OF CREDIT LOANS

As low as
3.77% APR

The power of your home's equity and the flexibility of a line of credit.

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MINIMUM ADVANCE REQUIREMENT
$500.00

Disclosure

APR = Annual Percentage Rate for our HELOC is variable, tied to the Wall Street Journal Prime Rate (currently 3.50% as of March 17, 2022) plus or minus a margin, and can change monthly. There is a minimum rate of 3.00% APR and a maximum rate of 18% APR. HELOCs have a 40-year term (20-year draw period followed by 20-year repayment period). Advertised rate uses a margin of -0.25% and is based on a set of loan assumptions (a credit score of 740 or higher, CLTV of 60% or less, single-family owner-occupied residence, is second lien position). To open a line of credit you must pay the following fee to us prior to closing; a $300 Application Fee, you may also have to pay certain fees to third parties at closing, unless otherwise noted, these fees generally total between $0 and $3,500.00. If you ask, we will give you an itemization of the these you may have to pay to third parties. Property and flood insurance (where applicable) may be required for the life of the loan. All loans are subject to approval, other conditions may apply.

Please refer to DCU's Early Federal Disclosure for more information on Home Equity rates, including historical rate examples. You may obtain this information by contacting DCU.

What Our Members Are Saying

Just what we needed

RATINGS 5 5 / 5 stars

The fact that DCU has the option to have a 90% LTV Home Equity Loan product game changer, and was the main deciding factor on choosing DCU. The service by all parties involved was fantastic. Highly recommend!

Michael – East Taunton, MA

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Comprehensive and flexible

RATINGS 4.5 4.5 / 5 stars

The DCU HELOC product is exactly what I was looking for. For short-medium term borrowing for home improvement expenses to the option of 2 fixed larger loans, this product offers comprehensive and flexible options.

K1rby – Sterling, MA

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Resources

Materials & resources to help you make an informed decision when buying, refinancing or improving your home.

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