Buy a Home

Features / Benefits

Regular and Jumbo Mortgage options available – Down payments as low as 5% with terms up to 30 years, allowing you to find a monthly payment that fits into your budget.

Free pre-qualification – Make an offer on your home knowing you have been pre-qualified for a mortgage. Plus, DCU can offer expert guidance, whether you’re a first-time homebuyer or a veteran to the process, we can walk you through the mortgage process.

60-day rate lock – Don’t lose out on that low rate as you go through the mortgage process!

3% down program – only available with Fixed-Rate Mortgages – 1-unit owner occupied purchase transaction of primary residences are eligible for this 30-year program with lender paid mortgage insurance. Borrowers cannot own additional residential property at closing. Not available for Jumbo Mortgages. Other terms and restrictions apply.

Fixed-rate loans – Borrow for 1 to 4 family residences, second homes and investments properties.

ARM loans – Borrow for 1 to 4 family primary residences. Your principal and interest payment and rate will be fixed for the first 5, 7, or 10 years, depending on the term you choose, and then adjust to a new rate and payment that can change periodically after that.

Competitive mortgage insurance premiums

DCU service for the life of the mortgage – We’ll service your loan as long as you have it. No need to worry about making payments to a different lender or prepayment penalties. Also manage your account through online and mobile banking from anywhere.

Terms Terms	Interest Rate Interest Rate	APR² APR²	EMP¹ per $1,000 EMP¹ per $1,000
30 Years Fixed	2.875%	2.97%	$4.15
20 Years Fixed	2.500%	2.63%	$5.30
15 Years Fixed	2.125%	2.29%	$6.49
10 Years Fixed	2.000%	2.24%	$9.20

Terms Terms

Interest Rate Interest Rate

APR² APR²

EMP¹ per $1,000 EMP¹ per $1,000

30 Years Fixed

2.875%

2.97%

$4.15

20 Years Fixed

2.500%

2.63%

$5.30

15 Years Fixed

2.125%

2.29%

$6.49

10 Years Fixed

2.000%

2.24%

$9.20

Terms Terms	Interest Rate Interest Rate	APR² APR²	EMP¹ per $1,000 EMP¹ per $1,000
30 Years Fixed	2.875%	2.97%	$4.15
20 Years Fixed	2.500%	2.63%	$5.30
15 Years Fixed	2.125%	2.29%	$6.49
10 Years Fixed	2.000%	2.24%	$9.20

Terms Terms

Interest Rate Interest Rate

APR² APR²

EMP¹ per $1,000 EMP¹ per $1,000

30 Years Fixed

2.875%

2.97%

$4.15

20 Years Fixed

2.500%

2.63%

$5.30

15 Years Fixed

2.125%

2.29%

$6.49

10 Years Fixed

2.000%

2.24%

$9.20

Terms Terms	Interest Rate Interest Rate	APR² APR²	EMP¹ per $1,000 EMP¹ per $1,000
Jumbo 30 Years Fixed	2.875%	2.91%	$4.15
Jumbo 15 Years Fixed	2.125%	2.18%	$6.49
Jumbo 10 Years Fixed	2.000%	2.03%	$9.20

Terms Terms

Interest Rate Interest Rate

APR² APR²

EMP¹ per $1,000 EMP¹ per $1,000

Jumbo 30 Years Fixed

2.875%

2.91%

$4.15

Jumbo 15 Years Fixed

2.125%

2.18%

$6.49

Jumbo 10 Years Fixed

2.000%

2.03%

$9.20

Terms Terms	Interest Rate Interest Rate	APR² APR²	EMP¹ per $1,000 EMP¹ per $1,000
Jumbo 30 Years Fixed	2.875%	2.91%	$4.15
Jumbo 15 Years Fixed	2.125%	2.18%	$6.49
Jumbo 10 Years Fixed	2.000%	2.03%	$9.20

Terms Terms

Interest Rate Interest Rate

APR² APR²

EMP¹ per $1,000 EMP¹ per $1,000

Jumbo 30 Years Fixed

2.875%

2.91%

$4.15

Jumbo 15 Years Fixed

2.125%

2.18%

$6.49

Jumbo 10 Years Fixed

2.000%

2.03%

$9.20

ARM Program² ARM Program²	Initial Interest Rate Period Initial Interest Rate Period	Initial Interest Rate Initial Interest Rate	APR³ APR³	Initial Rate Period # Monthly Payments Initial Rate Period # Monthly Payments	Initial Rate Period EMP Per $1000¹ Initial Rate Period EMP Per $1000¹	Fully Indexed Rate Fully Indexed Rate	Fully Indexed Rate # Monthly Payments Fully Indexed Rate # Monthly Payments	Fully Indexed Rate EMP Per $1000¹ Fully Indexed Rate EMP Per $1000¹
5/1 ARM	5-Years	2.250%	2.75%	60	$3.82	2.875%	300	$4.15
5/5 ARM	5-Years	2.500%	3.24%	60	$3.95	3.625%	300	$4.56
7/1 ARM	7-Years	2.375%	2.74%	84	$3.89	2.875%	276	$4.15
10/1 ARM	10-Years	2.500%	2.74%	120	$3.95	2.875%	240	$4.15

ARM Program² ARM Program²

Initial Interest Rate Period Initial Interest Rate Period

Initial Interest Rate Initial Interest Rate

APR³ APR³

Initial Rate Period # Monthly Payments Initial Rate Period # Monthly Payments

Initial Rate Period EMP Per $1000¹ Initial Rate Period EMP Per $1000¹

Fully Indexed Rate Fully Indexed Rate

Fully Indexed Rate # Monthly Payments Fully Indexed Rate # Monthly Payments

Fully Indexed Rate EMP Per $1000¹ Fully Indexed Rate EMP Per $1000¹

5/1 ARM

5-Years

2.250%

2.75%

$3.82

2.875%

300

$4.15

5/5 ARM

5-Years

2.500%

3.24%

$3.95

3.625%

300

$4.56

7/1 ARM

7-Years

2.375%

2.74%

$3.89

2.875%

276

$4.15

10/1 ARM

10-Years

2.500%

2.74%

120

$3.95

2.875%

240

$4.15

ARM Program² ARM Program²	Initial Interest Rate Period Initial Interest Rate Period	Initial Interest Rate Initial Interest Rate	APR³ APR³	Initial Rate Period # Monthly Payments Initial Rate Period # Monthly Payments	Initial Rate Period EMP Per $1000¹ Initial Rate Period EMP Per $1000¹	Fully Indexed Rate Fully Indexed Rate	Fully Indexed Rate # Monthly Payments Fully Indexed Rate # Monthly Payments	Fully Indexed Rate EMP Per $1000¹ Fully Indexed Rate EMP Per $1000¹
5/1 ARM	5-Years	2.250%	2.75%	60	$3.82	2.875%	300	$4.15
5/5 ARM	5-Years	2.500%	3.24%	60	$3.95	3.625%	300	$4.56
7/1 ARM	7-Years	2.375%	2.74%	84	$3.89	2.875%	276	$4.15
10/1 ARM	10-Years	2.500%	2.74%	120	$3.95	2.875%	240	$4.15

ARM Program² ARM Program²

Initial Interest Rate Period Initial Interest Rate Period

Initial Interest Rate Initial Interest Rate

APR³ APR³

Initial Rate Period # Monthly Payments Initial Rate Period # Monthly Payments

Initial Rate Period EMP Per $1000¹ Initial Rate Period EMP Per $1000¹

Fully Indexed Rate Fully Indexed Rate

Fully Indexed Rate # Monthly Payments Fully Indexed Rate # Monthly Payments

Fully Indexed Rate EMP Per $1000¹ Fully Indexed Rate EMP Per $1000¹

5/1 ARM

5-Years

2.250%

2.75%

$3.82

2.875%

300

$4.15

5/5 ARM

5-Years

2.500%

3.24%

$3.95

3.625%

300

$4.56

7/1 ARM

7-Years

2.375%

2.74%

$3.89

2.875%

276

$4.15

10/1 ARM

10-Years

2.500%

2.74%

120

$3.95

2.875%

240

$4.15

ARM Program² ARM Program²	Initial Interest Rate Period Initial Interest Rate Period	Initial Interest Rate Initial Interest Rate	APR³ APR³	Initial Rate Period # Monthly Payments Initial Rate Period # Monthly Payments	Initial Rate Period EMP Per $1000¹ Initial Rate Period EMP Per $1000¹	Fully Indexed Rate Fully Indexed Rate	Fully Indexed Rate # Monthly Payments Fully Indexed Rate # Monthly Payments	Fully Indexed Rate EMP Per $1000¹ Fully Indexed Rate EMP Per $1000¹
Jumbo 5/1	5-Years	2.250%	2.75%	60	$3.82	3.000%	300	$4.22
Jumbo 5/5	5-Years	2.500%	3.24%	60	$3.95	3.625%	300	$4.56
Jumbo 7/1	7-Years	2.375%	2.73%	84	$3.89	3.000%	276	$4.22
Jumbo 10/1	10-Years	2.500%	2.71%	120	$3.95	3.000%	240	$4.22

ARM Program² ARM Program²

Initial Interest Rate Period Initial Interest Rate Period

Initial Interest Rate Initial Interest Rate

APR³ APR³

Initial Rate Period # Monthly Payments Initial Rate Period # Monthly Payments

Initial Rate Period EMP Per $1000¹ Initial Rate Period EMP Per $1000¹

Fully Indexed Rate Fully Indexed Rate

Fully Indexed Rate # Monthly Payments Fully Indexed Rate # Monthly Payments

Fully Indexed Rate EMP Per $1000¹ Fully Indexed Rate EMP Per $1000¹

Jumbo 5/1

5-Years

2.250%

2.75%

$3.82

3.000%

300

$4.22

Jumbo 5/5

5-Years

2.500%

3.24%

$3.95

3.625%

300

$4.56

Jumbo 7/1

7-Years

2.375%

2.73%

$3.89

3.000%

276

$4.22

Jumbo 10/1

10-Years

2.500%

2.71%

120

$3.95

3.000%

240

$4.22

ARM Program² ARM Program²	Initial Interest Rate Period Initial Interest Rate Period	Initial Interest Rate Initial Interest Rate	APR³ APR³	Initial Rate Period # Monthly Payments Initial Rate Period # Monthly Payments	Initial Rate Period EMP Per $1000¹ Initial Rate Period EMP Per $1000¹	Fully Indexed Rate Fully Indexed Rate	Fully Indexed Rate # Monthly Payments Fully Indexed Rate # Monthly Payments	Fully Indexed Rate EMP Per $1000¹ Fully Indexed Rate EMP Per $1000¹
Jumbo 5/1	5-Years	2.250%	2.75%	60	$3.82	3.000%	300	$4.22
Jumbo 5/5	5-Years	2.500%	3.24%	60	$3.95	3.625%	300	$4.56
Jumbo 7/1	7-Years	2.375%	2.73%	84	$3.89	3.000%	276	$4.22
Jumbo 10/1	10-Years	2.500%	2.71%	120	$3.95	3.000%	240	$4.22

ARM Program² ARM Program²

Initial Interest Rate Period Initial Interest Rate Period

Initial Interest Rate Initial Interest Rate

APR³ APR³

Initial Rate Period # Monthly Payments Initial Rate Period # Monthly Payments

Initial Rate Period EMP Per $1000¹ Initial Rate Period EMP Per $1000¹

Fully Indexed Rate Fully Indexed Rate

Fully Indexed Rate # Monthly Payments Fully Indexed Rate # Monthly Payments

Fully Indexed Rate EMP Per $1000¹ Fully Indexed Rate EMP Per $1000¹

Jumbo 5/1

5-Years

2.250%

2.75%

$3.82

3.000%

300

$4.22

Jumbo 5/5

5-Years

2.500%

3.24%

$3.95

3.625%

300

$4.56

Jumbo 7/1

7-Years

2.375%

2.73%

$3.89

3.000%

276

$4.22

Jumbo 10/1

10-Years

2.500%

2.71%

120

$3.95

3.000%

240

$4.22

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

Amazing service

So easy to apply. Questions were answered quickly and in their entirety. Every step was explained. We closed early. We would definitely recommend DCU to anyone!

Pinepup – Phoenix, AZ

Great loan process & best rates

DCU was a standout among all other lenders. The loan process was easy and fast, and they had the best rate by far. They also provided great support and were responsive throughout the process.

Chris – Louisville, KY

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Features / Benefits

TERM

Purchase Fixed-Rate Mortgage Rates

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Purchase Adjustable Rate Mortgage (ARM) Rates

Purchase Jumbo Adjustable Rate Mortgage (ARM) Rates

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