Refinances

You can apply for loans and credit cards at the same time you join! There is no waiting period before you can take advantage of all our member benefits. The moment you become a member, you can start applying for auto loans, mortgages, and every other service we have to offer.

To apply for a mortgage, fill out our mortgage application. We currently offer first mortgages on primary and second homes in Virginia, North Carolina, South Carolina, and Ohio. Our online mortgage portal makes it super easy to apply and gives you control so you can check the status every step of the way.

Please note: We recommend using your personal email address when you apply to ensure emails are received okay.

At this time, we do not offer land only or home construction loans.

To speak to someone in our Mortgage Department please call 866-300-8240 or email [email protected]

Typically closing takes 4-6 weeks from receipt of contract. However, the closing date can be a moving target due to a number of variables.

A pre-qualification is good for 90 days.

An escrow account is set up when you close your mortgage loan. It holds funds from your monthly mortgage payment to cover future payments for related costs including items such as property taxes and homeowner’s insurance. 

The specific amount of your closing costs will vary.

The fees may change depending on your specific situation because appraisal fees, title charges, closing fees may all vary from state to state and also from lender to lender.

To assist you in evaluating our fees, we've grouped them as follows: third-party fees, taxes and other unavoidable costs, and lender fees:

• Fees that we consider third party fees include the appraisal fee, the credit report fee, the settlement or closing fee, the survey fee, tax service fees, title insurance fees, flood certification fees, and courier/mailing fees. Third party fees are fees that we'll collect and pass on to the person who actually performed the service. For example, an appraiser is paid the appraisal fee, a credit bureau is paid the credit report fee, and a title company or an attorney is paid the title insurance fees.
• Fees that we consider to be taxes and other unavoidable costs include: State/Local Taxes and recording fees. These fees will most likely have to be paid regardless of the lender you choose. If some lenders don't quote you fees that include taxes and other unavoidable fees, don't assume that you won't have to pay it. It probably means that the lender who doesn't tell you about the fee hasn't done the research necessary to provide accurate closing costs.
• Lender fees such as points, document preparation fees, and loan processing fees are retained by the lender and are used to provide you with the lowest rates possible. This is the category of fees that you should compare very closely from lender to lender before making a decision.

The first number refers to your initial term, or how many years your initial rate is fixed. The second reflects how often your rate adjusts after the initial term. For example for a  a 5/5 ARM, you’d have a fixed rate for the first five years. Then, your rate and payment could change once every 5 years after.