Mortgage Loans

Whether it’s for your starter home or your dream home, a mortgage from VacationLand Federal Credit Union can make buying a breeze.

Let our experienced and local mortgage advisors assist you with financing your new home.  They will walk you through the lending process and take the time to answer your questions.

Call us at 1-800-691-9299 and ask to speak to our experienced and friendly mortgage department!

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Mortgage Loan Pre-Approval

Getting pre-approved for a mortgage loan has several benefits. It signals to realtors that you’re serious about buying a home. The pre-approval process also helps determine what you can comfortably spend on your monthly mortgage, so you only look at properties within your budget.

Other benefits of a pre-approved mortgage loan include:

  • Increased bargaining and negotiating power: Sellers will be more likely to accept an offer from someone with a pre-approved mortgage loan because it speeds up the sales process and gives them confidence that the sale will go through.
  • Faster closing period

Contact us at 1-800-691-9299 to start the pre-approval on your mortgage loan today or click the Contact Trisha button below to apply online!

Trisha Dauch, Mortgage Lending Officer
NMLS ID: 685532

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Types of Mortgage Loans

VLFCU offers a variety of mortgage loans to help you purchase a new home, refinance an existing mortgage and complete home improvements including:

  • Conventional mortgage loan
  • Second mortgage
  • Veteran’s mortgage loan (VA loan)
  • First-time homebuyer’s loan (FHA loan)
  • USDA rural development loan
  • Vacation home loan

Benefits of a Mortgage Loan with VLFCU

  • Fixed and adjustable rates
  • Flexible terms
  • Competitive interest rates
  • Low down payment options
  • No application fee
  • Discounted rates for shorter-term loans
  • No early pay-off penalties
  • Local mortgage specialists
  • Payroll deduction payments are available
  • Interest may be tax-deductible (consult your tax advisor)

Education on Mortgage Loans

There is a lot to understand regarding mortgages, and it can seem overwhelming. Our Financial Literacy course on Buying a Home has the information you need to prepare yourself for the mortgage application and home-buying process, including:

  • Mortgage costs and considerations
  • Different types of mortgages
  • Applying for a mortgage

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