Mortgages

 

Whether you’re searching for your perfect starter home, a house to fit your family’s growing needs or the ideal retirement retreat, our [email protected] Conventional mortgage 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.


Ask about our Rate Match Program. We want to be your mortgage partner.
If you find a better rate with another lender, let us match it. †


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 3.150% 3.232% 0 Points $752
30 Year 2.900% 3.070% 1.125 Points $728
20 Year 3.000% 3.115% 0 Points $971
15 Year 2.625% 2.772% 0 Points $1,177
10 Year 2.500% 2.713% 0 Points $1,650

Rates last updated: 11/26/2021 11:04 AM

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
†Receiving the rate match is only applicable if all conditions are met and does not go below the interest rate floors set by Call Federal’s Rate Committee (Current mortgage interest rate floors are 2.250% for up to a 15 year mortgage, 2.625% for a 20 year mortgage and 2.750% for a 30 year mortgage as of 7/21/21- floors are subject to change at any time). The Call Federal Rate Match Program is available for purchase and refinance first mortgage applications on conventional loans with terms of 10 to 30 years and on primary residences only. Certain product exclusions may apply. Loan Estimate from competing lender must be dated and received within three calendar days prior to locking your interest rate at Call Federal. The terms of the competing loan must be identical to Call Federal’s loan. If the loan does not close within the commitment period, the rate match may be voided. Not valid if original loan terms or conditions change prior to closing. This offer is subject to credit approval and may change or terminate without notice. Offer is not applicable to government loans, including FHA, USDA, and VA financing.

 

Related Products

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

Questions for our Mortgage Team

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