Whether you’re searching for your perfect starter home, a house to fit your family’s growing needs or the ideal retirement retreat, Call Federal’s dedicated mortgage team will help you gain the pride of homeownership.

With decades of experience, we take special pride in helping Richmond families get into a place they can call their own. We are with you through the entire process of buying a home, from helping you save for a down payment to helping you find a property that works for your family and your budget. We keep your cost down with competitive, transparent rates, no application fee and no prepayment penalty for those interested in paying off their loan early.

Option to Fit Your Needs

Call Federal offers a variety of mortgages and home loan options to fit your family’s budget and situation. This includes FHA, VA, USDA, and products for investment and vacation properties. Our dedicated mortgage consultants, with you start to finish, will help you determine the right home loan to meet your needs.

Meet Our Team

When you are making one of the largest financial decisions of your life, it’s important to work with a partner you trust.  The experience and care we offer will help you navigate the potential challenges and complications that often happen during the home buying process.

Get To Know Our Team

Mortgage Calculators

How much home can you afford? How much will your down payment affect your monthly mortgage payments? Use our mortgage calculators to give you some ballpark figures based on your situation, then contact our dedicated mortgage team to take the next step!

Conventional Fixed Mortgages for Home Purchase

Rate* press enter for more information on rates APR press enter for more information on A P R Points press enter for more information on points Payment press enter for more information on payments
30 Year 6.875% 6.986% 0.125 Points $1,150
30 Year 6.125% 6.389% 1.75 Points $1,063
20 Year 5.750% 6.159% 2.25 Points $1,229
15 Year 5.500% 5.971% 2 Points $1,430
10 Year 5.250% 5.917% 2 Points $1,878

Rates last updated: 6/12/2024 4:41PM

Click Here for Refinancing Rates

**Payments listed assume: A loan amount of $175,000, Property value of $250,000, Excellent credit of 740 or greater, No subordinations- no other loans against the property, such as home equity loans or lines of credit and assumes the dwelling is for Primary Residence use, Payment examples only reflect principal and interest payment and excludes escrow (real estate property tax and home owners insurance (AKA Hazard Insurance), which would cause the actual payment to be higher.


Related Products

Call Federal Credit Union is an Equal Housing Lender registered with the National Mortgage Licensing System under NMLS #407823.

Please do not send confidential account information using this form.

Questions for our Mortgage Team

  • This field is for validation purposes and should be left unchanged.

Get Started on Your New Mortgage Today!

Online Icon

Get Started

The process that ends with you in your beautiful new home takes just 15 minutes to apply online!

Branch Icon

Visit A Branch

Our dedicated staff are standing by to walk you through the whole mortgage process.

Phone Icon

Call Us

Our experienced team of mortgage lenders will guide you through each stage of the loan process.