SAVE ON UPFRONT COSTS THIS WINTER

For a limited time, you could pay less out of pocket at closing when you apply for a mortgage with Call Federal. Plus, we’ll match a competitor’s rate when you qualify.¹

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During our “Picture This” campaign, we want you to save more when you purchase or refinance a mortgage with us. We’re waiving select lender fees on qualifying loans, helping you keep extra cash for what comes next.

Fees we’re waiving include:

Admin and processing fees
Appraisal fee
Credit report and flood certification fees
Tax service fee
Title service fees and lender’s title insurance

Plus, Bring A Competitor’s Loan Estimate & We’ll Match the Rate¹

If you have a valid Loan Estimate from another lender, Call Federal can match their rate, helping you lock in confidently.

Loan Estimate must be dated within 48 hours of the requested match date
Available on conventional Call Federal loan products
Primary residence only (Virginia)
Terms and conditions apply. Not all will qualify.

Take advantage of these offers through April 30, 2026.

Apply Today

Home Loans + Mortgage Refinance

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What Do We Mean By “Upfront Costs”?

Here’s an example* of lender fees that may be waived on a qualifying mortgage. These figures are based on a $300,000 loan amount.

Fee/Service	Example cost
Administration fee	$240.00
Appraisal fee	$595.00
Credit report fee	$118.85
Flood certification fee	$9.00
Processing fee	$809.00
Tax service fee	$93.00
Title service fees**	$1,040.00
Lender’s title insurance	$879.00
Illustrative total of select lender fees	$3,783.85

Not included: Taxes and tax stamps, surveys, owner’s title insurance, and recording fees.

^{*Illustrative example only, based on a $300,000 loan amount. Actual fees, eligibility, and potential savings vary by loan, property, and closing. Certain lender fees may be waived on qualifying loans during the promotional period; additional fees and restrictions may apply. Excludes taxes and tax stamps, surveys, owner’s title insurance, and recording fees. **Title service fees shown include escrow, protection letter, and other settlement services.}

Need A Little More Information?

Refinancing your mortgage offers several potential benefits, including:

Lower Monthly Payments: Reduce your financial burden with a better interest rate or extended term.
Better Interest Rate: Lock in a lower rate to save money over the life of your loan.
Shorter Loan Term: Pay off your mortgage faster and save on long-term interest.
Debt Consolidation: Combine high-interest debts into one manageable payment.
Access to Home Equity: Tap into your home’s equity for renovations, education, or other major expenses.

Refinancing can be a strategic move to better align your mortgage with your financial goals.

Yes, with a cash-out refinance, you can borrow against the equity in your home. This allows you to receive cash at closing, which can be used for home improvements, debt consolidation, education expenses, or other financial needs. Keep in mind that this increases your loan balance and may affect your monthly payment, so it’s important to evaluate your long-term financial goals.

A mortgage pre-approval at Call Federal Credit Union is typically valid for 90 days. This gives you ample time to search for the right home with confidence.

If your pre-approval expires before you find a property, you can request a renewal by providing updated financial information. Contact our mortgage team for assistance or more details!

Being prequalified gives you an estimate of how much you might be able to borrow. It’s based on a general review of your financial information.

Being pre-approved, however, provides a specific loan amount you are eligible for. It’s a formal statement from the lender, giving you a clear understanding of your borrowing power and making you a stronger buyer.

Not Finding What You’re Looking For?

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Disclosures

¹Rate Match Program is only available on conventional Call Federal loan products and must be for a primary residence. 100% financing loans are not eligible for the Rate Match Program. A completed Loan Estimate required within 48 hours for Rate Match to be considered. Not all will qualify. No Origination Fee available for qualifying loans, subject to credit approval. Offer applies only to the purchase or refinance of a primary residence in the state of Virginia. Origination charges which may be waived include Administration Fees, Appraisal Fees, Credit Report Fee, Flood Certification Fee, Processing Fee, Tax Service Fee, Title Service Fees, and Lender’s Title Insurance. It excludes Taxes & Tax Stamps, Surveys, Owner’s Title Insurance, and Recording Fees. Additional fees and restrictions may apply. This offer is available for mortgage applications submitted between February 1, 2026 to April 30, 2026 and subject to approval. It is subject to change or termination at any time without notice. Subject to credit union membership, credit approval, and closing. Applicant is responsible for accrued charges if the loan does not close. Other conditions and restrictions may apply. Equal Housing Lender. #NMLS 407823. Call Federal Credit Union is federally insured by the NCUA.