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We are aware of a credit and debit card fraud ring that is currently impacting our members. Be aware of scammers calling, texting, and emailing, asking for your account or card number, pretending to be from Member One. NEVER give out this personal information over the phone or if it's solicited via text or email. Protect yourself and please call us directly at 800.666.8811 if you have any questions.
Virginia Credit Union and Member One Federal Credit Union announce intent to merge. Learn more.
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Mortgages
Meet our Mortgage Experts

I Am Looking At Houses

That’s great. Just make sure you can act quickly when you find your dream home. With Member One, you can get pre-qualified online*!

Get Pre-qualified

I Am Ready To Apply

Excellent. We’re excited to help you get into your next home. To get started, all you’ll need to do is complete our simple, online application.

Apply Online

I Am Not Sure How To Start

No problem. It can be confusing. That’s why we wrote our Complete Guide To Homebuying. It will walk you step-by-step through the process.

Read Our Guide
Easily
Apply Online
We Offer Expert
Mortgage Advice
We Process Your
Application Quickly
We Offer Customized
Solutions

Why Member One?

You can get a mortgage from almost anywhere, but not all lenders are the same. Make sure you choose a partner you can trust.

By becoming a member, you also get access to:

  • Savings accounts

  • Checking accounts

  • Personal loans

  • Home equity loan

Meet Our Mortgage Experts

What Types Of Loans Are Available?

You get access to a variety of different mortgage options. If you’d like to discuss your needs with an experienced member of our team, please contact us.

This type of loan is potentially available for veterans, citizens in rural areas, individuals within eligible income limits and/or home price limits, and others as well. If you have questions, please contact our team.

For conventional loans, the down payment can be as low as 3%. If you are rebuilding your credit, the down payment can be as low as 3.5%. If you have questions, please contact our team.

Refinancing may be able to help you get a better rate and/or a different term on your current mortgage. If you have questions, please contact our team.

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How Do I Get Started?

To make your mortgage experience as easy as possible, please follow these three steps:

  1. Download the Mortgage Application Checklist

  2. Contact our Talented Team with any questions

  3. Get Pre-Qualified*

Get Started!

*Loans subject to credit approval. Not all will qualify.