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*.
Get Started Today
View our current mortgage rates!

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!
First Time Home Buyer

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 and no PMI, our 100% Mortgage can make it happen!
100% Mortgage

Purchase or refinance a home with a mortgage of up to $1,000,000?

Turn to Del-One for a fixed rate Traditional Mortgage!
Finance up to $548,250 in a 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? Our Jumbo Mortgage allows qualified borrowers to finance up to $1,000,000 in a traditional mortgage with no PMI.
Traditional 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%.
Equity Builder Mortgage
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Why Should You Choose Del-One?
  • Competitive rates for home purchase or refinance
  • Many convenient ways to make payments
  • Local decision-making, right here in Delaware
  • Attentive and friendly service from start to finish
  • Helpful loan advisors with working knowledge of the local real estate market
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.

Insurance Verification

Have a Question?

Call us at
(302) 608-0104
to speak to a member of our mortgage lending team.

Contact us
to start the mortgage process or if you have any questions.

Visit one of our
branch locations
to speak with our knowledgeable member advocates.

MORE USEFUL TOOLS AND RESOURCES:

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Open an Account Online
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Del-One Online Banking & Bill Pay
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Home Equity Loans
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Financial Calculators
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Personal Loans

*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.

Call us at 302-608-0104