Loans, Credit Lines and Charge Cards

Loans, Credit Lines and Charge Cards

From buying very first home to refinancing a mortgage that is existing or benefiting from our Car Buying solution to getting credit cards with competitive prices and zero charges, we’ve got the loans and credit lines you want.

Home Mortgages

Select a loan provider you are able to trust. At DOCFCU, our experienced mortgage brokers would be to you each step regarding the means, assisting you to select the mortgage option that fits your preferences and spending plan.

  • Fixed and rate that is adjustable available
  • Loan amounts from $75,000 – to $1,500,000
  • Designed for main residences or 2nd domiciles (no investment properties)
  • Loans around 97% loan-to-value*
  • First and 2nd home loan combination loans as much as 90% loan-to-value
  • Handle your loan on the web, including payments that are making
  • Readily available for houses in most 50 states
  • Get a personalized, no responsibility price estimate
  • Get pre-qualified for the next home loan
  • Explore the resource open to help you produce choices that are smart

Convenient On The Web Mortgage Access

You will see your home loan declaration, review your re re payment history, always check 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 questions that are general getting a DOCFCU mortgage, please contact our specialists straight:

Residence Equity Loan and credit line – Zero Closing expenses*

A property equity credit line from DOCFCU may be a way that is smart fund many different requirements, including a house renovation or repairs, training costs, the trip of an eternity, if not merely to combine financial obligation. Our lenders that are experienced prepared to assistance with tailored credit line simply for you.

A house equity loan, or trust that is“second, is another choice that substitutes a hard and fast price for the adjustable price of a house equity personal credit line.

*No closing costs on an initial advance of $10,000 or higher. Borrow as much as 90% of the 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, call us for details. NMLS #810389

Home Equity Credit Line

  • A minimal interest that is variable of Prime+0*
  • No closing expenses for an advance that is initial of10,000 or maybe more
  • Tax-deductible interest payments (speak to your taxation consultant for details)
  • The capability to borrow as much as 90% of the home’s value (minus your first home loan stability) as much as $250,000

Residence Equity Loan (2nd Trust)

  • A minimal fixed price
  • Tax-deductible interest re payments (consult your taxation consultant for details)
  • The capacity to borrow up to 90per cent of one’s home’s value (minus your very first home loan stability) as much as $100,000

Automobile Financing

A car loan from DOCFCU can help you drive a bargain that is hard. Regardless if you are thinking about purchasing a fresh or utilized vehicle, or refinance your existing automobile loan to save cash, our low prices and value-added solutions will make a huge difference.

  • As much as 105per cent on brand new and used financing
  • Fast approvals ( Within a day or less)
  • Price matching open to members that are qualified
  • Union benefits discounts (is not along with match price)
  • Free Autocheck for utilized these details vehicles with application for the loan

DOCFCU Automobile Buying Service, Run On TrueCar в„ў

We are going to additionally offer offer a part .25% from the price with the certificate of purchase if they use True Car and provide us.

Automobile Loan Calculators

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

There’s more to an intelligent deal than the usual good cost. That’s why we provide a variety of extra programs and tools to assist you both purchase sensibly and protect your investment.

GAP Insurance to safeguard Your Loan

Fully guaranteed resource Protection (GAP) insurance coverage assists relieve your monetary burden by spending the possibly high-cost distinction between your insurance coverage settlement along with your loan stability on products straight pertaining to the acquisition of the automobile.

A loan officer to learn more, please contact.

Features

  • 90-day look that is free you may possibly cancel your security within 3 months of the enrollment date and get a complete reimbursement with no termination charge.
  • Skipped payments – security includes skip-a-payment or delinquent-payment features when it comes to lifetime associated with the agreement that is financial.
  • Available on loans – safeguards brand new and utilized vehicles.
  • Main automobile insurance that is deductible as much as $1,000 of one’s car tax deductible.*

Extensive Car Provider

Safeguard your self from unanticipated, high-cost repairs, and of course, boost the resale value, if you decide to offer your car or truck.

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

Consult your loan officer regarding your options and find out how you might save up to 50per cent off dealer pricing. You might qualify for protection even although you don’t now have a car loan with Department of Commerce Federal Credit Union.

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