Mortgages

Personalized service, competitive rates, and fast processing — that’s what we provide.

What we get most excited about: helping homebuyers understand all of the options available to them.  For example, did you know that you don’t necessarily need to make a 20 percent down payment to purchase a home? In fact, we offer several no and low-down payment loans.


Meet the Team

We don’t believe that getting a mortgage should be complicated. 

Our mortgage professionals are knowledgeable, they’re local, and they love seeing our members move into their dream homes. Meet with one of our friendly real estate experts to get started on the road to your new home. 

Deanna Dickerson

Julie Nicely

Valinda Hayes

Deanna Dickerson
NRV, Botetourt, Salem
540-982-8811 ext. 9444 
NMLS# 712947

Julie Nicely
Roanoke 
540-982-8811 ext. 9189
NMLS# 211305

Valinda Hayes
Roanoke 
540-982-8811 ext. 9167 
NMLS# 197167

Meet Deanna

Meet Julie

Meet Valinda

Where to start: 

Download our mortgage application checklist to make sure you’ve got all the paperwork you’ll need. Then stop by for a free, no-obligation consultation with us. We’ll be happy to go over your options on saving for down payments, lowering debts, or anything else that can help get you into your new home faster.

No Down Payment Loans
  • For veterans
  • In rural areas
  • Within eligible income limits and/or home price limits
Low Down Payment Loans
  • As low as 3% down for conventional loans
  • As low as 3.5% down for borrowers who may be rebuilding credit

We can help you choose the down payment option that’s right for you.

Time to bust another myth: Did you know that you don’t always need private mortgage insurance (PMI)? We offer Non-PMI mortgage options so more of your money can work for you. Find out more about this option from one of our mortgage experts! 

2nd Mortgage

Fell in love with a fixer-upper? Consider a 2nd mortgage — you may be able to use your equity for renovation costs. A 2nd mortgage is a great way to invest in yourself by increasing the value of your home. (You can use one for other expenses, too.) Ask us to learn more!

Refinancing 

We’re here to help long after the sale has closed and the boxes are unpacked. If you already own a home and want a better rate and/or different term on your current mortgage, ask us about our refinancing options with great rates.

Home Equity Line of Credit

Click here to learn more about how you can borrow against the equity in your home for renovation, college, debt consolidation, or other expenses.

Become a Member

Experience the credit union difference with great options for every stage of life, modern-day conveniences you expect, and local, personalized service.

Learn more about credit union membership