Home Loans

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Mortgage Loans

Buying a house is a big deal — let us make it simple and affordable!

It can be both exciting and daunting — that’s why we streamline home buying for you at Del-One Federal Credit Union. Focus on the exciting part and let us handle the hard stuff as we walk you through the process from start to finish.

No matter where you are in life, we’ll get you the best mortgage loan for your budget. And to really make things painless, we’ll even contribute $1,000 toward settlement fees on purchase and refinance mortgages.*

Is it a little obvious that we love helping people get the home of their dreams? Start the process online today, and let’s get you moved in!

Summary
  • Competitively low rates for home purchase or refinance
  • Available for single-family, primary residences
  • Now offering $1,000 toward settlement fees*
  • A wide range of terms customized to your unique situation
  • A wide range of financing programs available:
    • Fixed rate mortgages
    • Equity Builder Mortgage
    • First Time Homebuyer specials
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Many convenient ways to make payments via automatic deduction, online banking, telephone account access, in branch, or by mail
  • Local decision-making right here in Delaware
  • Attentive, friendly service from start to finish

Learn more about home mortgages and the programs we offer!

Have a question? Call us at 302-739-4496 to speak to one of our lenders.

View our current rates.

*Conditions/restrictions apply. Limited time offer. Equal housing lender. NMLS ID# 543572

Mortgage Options

First Time Homebuyer:

Why rent when you could own? We want all of our members to experience the joy that comes with purchasing a home — minus the headaches. That’s why we offer special first time homebuyer mortgages to give you the best deal possible on your home and step-by-step guidance on the mortgage process.

Take advantage of no points, no PMI, and only a 5% down payment!

100% Mortgage*

Are you looking to purchase a home or refinance a mortgage with 100% financing and no PMI?  With Del-One's 100% Mortgage*, you can!

Inquire about a 100% Mortgage by visiting any branch location or calling (302) 739-4496.  

Better Life Mortgage*:

Ask about our Better Life Mortgage* today! Do you have high interest rate debt you would like to pay off?  Would you like to reduce the term of your mortgage to 15 or 20 years?  With Del-One's Better Life Mortgage, you can accomplish both!  Borrow up to 90% of the value of your home and start living a better life today!  To get started, call (302) 739-4496 or visit any Del-One branch location.  

Jumbo Mortgage*:

Looking to purchase or refinance a home with a mortgage of up to $600,000?  Qualified borrowers can turn to Del-One for a fixed rate Jumbo Mortgage* with NO PMI!  Inquire today about a Jumbo Mortgage at any Del-One branch location or by calling (302) 739-4496.

Equity Builder Mortgage:

Build equity and reduce debt — freeing you to live a financially independent lifestyle!

Our Equity Builder Mortgage features:

  • No points
  • No fee to apply
  • No PMI
  • Shortened repayment times with 10 or 15-year terms
  • 10% down payments or refinancing up to 90%

Start building equity today by purchasing the home of your dreams!

View our current rates

*Conditions/restrictions apply. Limited time offer. Equal housing lender. NMLS ID# 543572

FAQs
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