Mortgage Loans

Buying a House?

Make it simple and affordable.

Take the stress out of home buying by counting on us. 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*.
View our current mortgage rates!

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.

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

Purchase or refinance a home with a mortgage of up to $600,000?

Turn to Del-One for a fixed rate Traditional Mortgage!
Finance up to $510,400 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 $600,000 in a traditional mortgage with no PMI.

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%.

Contact Our Mortgage Team***

Why Should You Choose Us?

1
Competitive rates for home purchase or refinance
2
Many convenient ways to make payments
3
Local decision-making, right here in Delaware
4
Attentive and friendly service from start to finish
5
Helpful loan advisors with working knowledge of the local real estate market

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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Financial Guidance
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Financial Calculators
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Education Center

*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 $484,350. APR and payment based on zero points and a $200,000 loan amount at 80% loan-to-value ($600,000 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