Loans, Credit Lines and Charge Cards

From buying very first home to refinancing a mortgage that is existing or using our Car Buying solution to getting a charge card with competitive prices and zero charges, we’ve got the loans and credit lines you will need.

Home Mortgages

Select a loan provider you can rely on. At DOCFCU, our experienced lenders are going to be with you every action regarding the means, assisting you to select the mortgage choice that fits your requirements and spending plan.

  • Fixed and adjustable price choices available
  • Loan amounts from $75,000 – to $1,500,000
  • Designed for primary residences or 2nd houses (no investment properties)
  • Loans around 97% loan-to-value*
  • First and mortgage that is second loans as much as 90per cent loan-to-value
  • Manage your loan on line, including making payments
  • Readily available for domiciles in every 50 states
  • Get a personalized, no obligation rate estimate
  • Get pre-qualified for the next home loan
  • Explore the resource accessible to help you create choices that are smart

Convenient On The Web Mortgage Access

You will see your home loan declaration, review your payment history, check always your escrow balances, and even make an immediate online repayment from your bank account.

Have Mortgage Questions?

For questions regarding our application procedure, to obtain pre-approved or even to ask questions that are general obtaining a DOCFCU mortgage, please contact our specialists straight:

Residence Equity Loan and credit line – Zero Closing Costs*

A house equity credit line from DOCFCU could be a smart solution to fund a number of requirements, including a house renovation or repairs, training costs, the journey of a very long time, if not in order to combine debt. Our lenders that are experienced prepared to assistance with tailored credit line only for you.

A house equity loan, or “second trust loan“, is another choice that substitutes a hard and fast rate for the adjustable price of a house equity personal credit line.

*No closing costs for a short advance of $10,000 or even more. Borrow as much as 90% of one’s home’s value (minus your very first home loan balance) as much as $250,000 should be qualified for DOCFCU account. Other limitations may use, e mail us for details. NMLS #810389

Residence Equity Personal Credit Line

  • A minimal interest that is variable of Prime+0*
  • No closing expenses for a short advance of $10,000 or higher
  • Tax-deductible interest re payments (consult with your taxation advisor for details)
  • The capability to borrow as much as 90per cent of one’s home’s value (minus your mortgage that is first balance as much as $250,000

Residence Equity Loan (2nd Trust)

  • A minimal rate that is fixed
  • Tax-deductible interest re payments (consult with your taxation consultant for details)
  • The capability to borrow as much as 90per cent of the home’s value (minus your mortgage that is first balance as much as $100,000

Automobile Financing

A car loan from DOCFCU makes it possible to drive a difficult bargain. Whether you’re thinking about purchasing a brand new or utilized vehicle, or refinance your existing automobile loan to truly save cash, our low prices and value-added services could make a huge difference.

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

DOCFCU Vehicle Buying Service, Running On TrueCar в„ў

We shall also offer give an associate .25% from the rate when they utilize real automobile and lending club personal loans title loans supply us aided by the certification of purchase.

Automobile Loan Calculators

Utilize our calculators to assist you calculate your payments that are monthly.

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

GAP Insurance to guard Your Loan

Fully guaranteed resource Protection (GAP) insurance coverage assists ease your economic burden if you are paying the possibly high-cost distinction between your insurance coverage settlement as well as your loan stability on things directly linked to the purchase of one’s car.

For more information, please contact that loan officer.

Features

  • 90-day look that is free you may possibly cancel your security within 3 months of the enrollment date and get a complete reimbursement with no termination cost.
  • Skipped payments – security includes skip-a-payment or delinquent-payment features when it comes to life of the agreement that is financial.
  • Available on loans – safeguards new and utilized vehicles.
  • Main automobile insurance that is deductible as much as $1,000 of the car tax deductible.*

Extensive Car Provider

Protect your self from unforeseen, high-cost repairs, not forgetting, raise the resale value, if you decide to sell your automobile.

Many car that is major happen following the factory guarantee duration comes to an end. Without an automobile Service Agreement (VSA) — you may possibly crank up spending money on unanticipated and repairs that are expensive. Being a total outcome, extended protection for car repairs is now 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 brand new or qualified pre-owned car.

Consult your loan officer regarding the choices and understand how you might conserve to 50% off dealer rates. You may qualify for protection even though you don’t actually have a car loan with Department of Commerce Federal Credit Union.