Mortgage Loans

Buying a House? Make it simple and affordable.

At Del-One Federal Credit Union, we’ll get you the best mortgage loan in Delaware for your budget and walk you through the process from start to finish—no matter where you are in life. We offer competitive mortgage rates, free pre-approval, and a wide range of programs and customizable terms*.

Do You Want to:

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

As a first-time home buyer, take advantage of no points, no PMI, and only a 5% down payment!

If you’re looking to purchase a home or refinance a mortgage with 100% financing, our 100% Mortgage can make it happen!

Turn to Del-One for a fixed rate Traditional Mortgage!

Mortgage may be used to purchase a new home, refinance your existing home for a more favorable rate/term, or as a cash-out refinance.

Need to finance more in your mortgage? Purchase your dream home with a Jumbo Mortage.

Our Equity Builder Mortgage enables you to live a financially independent lifestyle!

Start building equity and reducing debt today with no points, no application fees, no PMI, shortened repayment times, and 10% down payments or refinancing up to 90%.

DO YOU WANT TO:

Buy your first home

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

As a first-time home buyer, take advantage of no points, no PMI, and only a 5% down payment!

Purchase a home or refinance a mortgage with 100% financing

If you’re looking to purchase a home or refinance a mortgage with 100% financing, our 100% Mortgage can make it happen!

Get a Jumbo mortgage at traditional mortgage rates

Turn to Del-One for a fixed rate Traditional Mortgage!

Mortgage may be used to purchase a new home, refinance your existing home for a more favorable rate/term, or as a cash-out refinance.

Need to finance more in your mortgage? Purchase your dream home with a Jumbo Mortgage.

Build equity and reduce debt

Our Equity Builder Mortgage enables you to live a financially independent lifestyle!

Start building equity and reducing debt today with no points, no application fees, no PMI, shortened repayment times, and 10% down payments or refinancing up to 90%.

CALCULATE YOUR MORTGAGE LOAN

Home Rent vs. Buy Calculator

Are you better off buying your home, or should you continue to rent?

Mortgage Payoff Calculator

Save thousands of dollars in interest by increasing your monthly mortgage payment.

CURRENT MORTGAGE RATES



Insurance Verification

If you recently received a letter requesting a current copy of your insurance and haven’t already responded or asked your agent to respond to Del-One FCU, you can now submit your insurance information online.

WHY SHOULD YOU CHOOSE DEL-ONE?

  • Competitive rates for home purchase or refinance
  • Attentive and friendly service from start to finish
  • Many convenient ways to make payments
  • Helpful loan advisors with working knowledge of the local real estate market
  • Local decision-making, right here in Delaware

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*Loan products are not federally insured by NCUA. Conditions/restrictions apply. Limited time offer. Equal housing lender. NMLS ID# 543572

**Rates are presented for informational purposes only. This information is not an advertisement to extend credit as defined by paragraph 226.24, Regulation Z. Rates are subject to change without notice. Rates shown are the lowest available and may vary based on mortgage type, loan purpose, and other factors. See our mortgage rate sheet for more details.

**The rates provided are based on zero points. Subject property must be the member’s primary residence and be located in the state of Delaware, Cecil, Kent, Queen Annes, Caroline, Dorchester, Talbot, Somerset, Wicomico or Worcester County, MD, Chester or Delaware County, PA. Maximum loan amount $548,250. APR and payment based on zero points and a $200,000 loan amount at 80% loan-to-value ($1,000,000 for the Jumbo loan).

***Please include a detailed description of your request. Do not include passwords, social security numbers, account numbers, or other sensitive information. Also, a phone number is always helpful.

HELPING MEMBERS REACH THEIR GOALS SINCE 1960

Del-One Federal Credit Union

Helping Members Reach Their Goals

Since 1960

Del-One Federal Credit Union

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