If there’s one thing recent history has taught us, it’s the importance of the heroes who protect and serve our communities. We appreciate the hard work and dedication of the education, law enforcement, fire department, healthcare, emergency services, and military personnel in our communities. That’s why we developed our Gratitude Mortgage. Our Gratitude Mortgage offers:

• A down payment as low as 1%
• No Private Mortgage Insurance (PMI) required
• Loan amounts up to $832,750
• 5, 7, and 10-year ARM (adjustable rate mortgage) products
• Cash Back* program eligibility

Whether you’re an MD, DO, DDS, DC, DMD, or a DVM, we appreciate your hard work and dedication. But we also understand the challenges physicians can sometimes face in securing a home loan, so we’re pleased to offer a mortgage program specifically geared to help. Our Doctor Mortgage offers:

• A down payment as low as 0%
• Debt to Income (DTI) ratio up to 43%
• No Private Mortgage Insurance (PMI) required
• Loan amounts up to $1.75M
• 5, 7, and 10-year ARM products
• Cash Back* program eligibility

Members who are fortunate enough to have significant assets have many choices for maximizing their finances. That’s why we’re pleased to have DFCU Financial Partners⁴ available to help. It’s also why we created our Diamond Mortgage program. If you’re looking to move and it makes more sense to finance rather than use invested assets, the Diamond Mortgage program may be right for you. Our Diamond Mortgage offers:

• A down payment as low as 0%
• Loan amounts up to $1.5M
• No Private Mortgage Insurance (PMI) required
• 5, 7, and 10-year ARM products
• Cash Back* program eligibility

Found the perfect spot for your dream home, but aren’t quite ready to start building? We’ve got you covered with our Land and Lot loans.

Whether your perfect parcel is out in the countryside or on an open lot in a prime subdivision spot, we can help you secure the land until you’re ready to build. And when you’re ready, we can help you transition to one of our construction loans.

• A down payment as low as 5%
• 10-year fixed or 5, 7, and 10-year ARM products
• Cash Back* program eligibility

Buyers and Sellers

As a buyer you have rights, like the right to use your own title company. Sellers control their side of the mortgage closing, allowing you to work with the title company of your choice.

If you are buying or selling a home, DFCU Title can help you with:

• For Sale by Owner packages
• Document preparation (Deeds and Powers of Attorney)
• Refinance and Purchase closing settlements
• Escrow functions and title search

Lenders

If your lending institution doesn’t have a title partner, look to DFCU for the following services:

• Good Faith estimates
• Document preparation (Deeds and Powers of Attorney)
• Refinance and Purchase closing settlements
• Escrow functions and title search
• Residential
• Commercial
• New construction
• Reverse mortgage closings
• Short sale and foreclosure expertise

Realtors

Make DFCU Title a partner for all of your real estate transactions.

• We accommodate closings at any location of your choosing.
• Document preparation (Deeds and Powers of Attorney)
• Refinance and Purchase closing settlements
• Escrow functions and title search