Loans, Credit Lines and Charge Cards

Loans, Credit Lines and Charge Cards

From buying your first house to refinancing a mortgage that is existing or using our Car Buying solution to getting credit cards with competitive prices and zero charges, we’ve got the loans and personal lines of credit you’ll need.

Home Loans

Go with a loan provider you can rely on. At DOCFCU, our experienced mortgage brokers would be you to choose the mortgage option that fits your needs and budget with you every step of the way, helping.

  • Fixed and adjustable price choices available
  • Loan amounts from $75,000 – to $1,500,000
  • Designed for main residences or homes that are secondno investment properties)
  • Loans as much as 97% loan-to-value*
  • First and second home loan combination loans as much as 90per cent loan-to-value
  • Handle your loan on the web, including payments that are making
  • Designed for domiciles in every 50 states
  • Obtain a personalized, no responsibility price estimate
  • Get pre-qualified for the next home loan
  • Explore the resource offered to help you create smartly chosen options

Convenient On The Web Mortgage Access

You will see your home loan declaration, review your re payment history, look at your escrow balances, and even make an immediate payment that is online your account.

Have Mortgage Concerns?

For concerns regarding our application procedure, to obtain pre-approved or even ask basic questions regarding obtaining a DOCFCU mortgage, please contact our professionals directly:

Residence Equity Loan and personal credit line – Zero Closing expenses*

A property equity line of credit from DOCFCU may be a smart method to fund many different requirements, including a property renovation or repairs, training costs, the journey of a very long time, and on occasion even just to combine debt. Our experienced loan providers are prepared to assistance with tailored personal credit line simply for you.

A property equity loan, or “second trust loan“, is another choice that substitutes a hard and fast price for the adjustable price of a house equity 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 Credit Line

  • A reduced adjustable interest price of Prime+0*
  • No closing expenses on an advance that is initial of10,000 or higher
  • Tax-deductible interest re re payments (check with your income tax consultant for details)
  • The capacity to borrow as much as 90per cent of one’s home’s value (minus your very first home loan stability) as much as $250,000

Residence Equity Loan (2nd Trust)

  • The lowest rate that is fixed
  • Tax-deductible interest re payments (consult with your income tax advisor for details)
  • The capacity to borrow as much as 90per cent of your 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 bargain that is hard. Whether you might be buying a brand new or utilized vehicle, or refinance your existing automobile loan to save cash, our low prices and value-added solutions could make a difference.

  • Up to 105per cent on brand new and used financing
  • Fast approvals ( Within twenty four hours or less)
  • speedy cash loans login

  • Price matching open to qualified users
  • Union benefits discounts (can’t be along with match price)
  • Free Autocheck for utilized cars with application for the loan

DOCFCU Automobile Buying Service, Run On TrueCar в„ў

We’ll also offer offer an associate .25% from the rate when they utilize real vehicle and offer us using the certification of purchase.

Automobile Loan Calculators

Use our calculators that will help you calculate your monthly premiums.

There’s more to a good deal when compared to a good cost. That’s why you can expect a variety of extra programs and tools to assist you both purchase sensibly and protect your investment.

GAP Insurance to guard Your Loan

Guaranteed in full 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 products straight associated with the acquisition of the car.

A loan officer to learn more, please contact.

Features

  • 90-day free look – you’ll cancel your protection within ninety days of one’s enrollment date and get a complete reimbursement with no termination cost.
  • Skipped payments – security includes skip-a-payment or delinquent-payment features for the life associated with the monetary contract.
  • Available on loans – safeguards used and new vehicles.
  • Main automobile insurance deductible – pays up to $1,000 of one’s car tax deductible.*

Extensive Car Provider

Protect your self from unanticipated, high-cost repairs, and undoubtedly, boost the resale value, if you opt to sell your automobile.

Many major automobile repairs happen following the factory guarantee duration stops. Without a car Service Agreement (VSA) — you’ll end up spending money on unforeseen and repairs that are expensive. As being outcome, extended coverage for car repairs is a requisite. Department of Commerce Federal Credit Union has teamed up with Intercontinental Warranty Services to offer you a far more affordable way of protection for the brand brand new or qualified pre-owned automobile.

Consult your loan officer regarding the choices and understand how you can cut back to 50per cent off dealer prices. You may qualify for protection even although you don’t actually have a car loan with Department of Commerce Federal Credit Union.

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