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Merger Update: Member One is rebranding to Virginia Credit Union in 2026. Learn more
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Mortgages
Meet our Mortgage Experts

Please note: your mortgage application will be taken by Virginia Credit Union (Member One is now a division of Virginia Credit Union), but you will still work directly with local Member One mortgage loan officers.

I Am Looking At Houses

That’s great. Get pre-qualified* online through Virginia Credit Union, and a local Member One mortgage loan officer will be in touch soon!

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?

Our local mortgage loan officers know the market and can help you find the right mortgage for your needs. As a part of our recent merger, your mortgage will be through Virginia Credit Union with the support of your local Member One team.

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!

*All loans subject to credit and collateral approval. Not all applicants will qualify. Virginia Federal Credit Union may be involved in the processing or origination of your loan (NMLS# 407552).