Mortgage Loans
Whether you're a first-time homebuyer or current homeowner, we've got you covered with low rates and flexible terms.
Buying a Home
Enjoy a stress-free homebuying experience with guidance from our experienced loan officers.
Refinancing Your Current Loan
A home loan refinance offers the chance to lower your rate, shorten or extend your term, and cash out equity.
Unlocking Your Home Equity
A home equity loan or line of credit gives you the funds to pay for renovations and other projects.
Benefits of a Credit Union Mortgage Loan
Our mortgage loans come with all these great benefits – plus you can choose the right type of loan to suit your budget and goals.
Low Interest Rates
Easy Online Application
Convenient electronic document signing feature
User-friendly loan calculators
Free 24/7 online and mobile banking access
Free automatic transfer
Use Our Secure Application Process for Mortgage Loans, VA
| step 1 | Apply OnlineEnter your personal and financial details into our simple online application portal. |
| step 2 | Sign Your LoanWe'll review your information. If successful, we'll offer you a loan amount, rates, and terms. |
| step 3 | Start House Hunting!Find your dream home and put in an offer with financing ready to go, then we'll help you close. |
★★★★★
“Great experience with refinance on my commercial building with service and rate! I highly recommend changing lender over to Topside, you will not be disappointed!”
Helpful Resources for Your Credit Union Mortgage Loan
A home is a major purchase and we understand you might be nervous, but we're here to support you every step of the way.
Currently have a mortgage loan with us and would like to make your payment? Please log in here.
A Federal regulation, the Home Mortgage Disclosure Act, requires financial institutions to collect and provide mortgage data and periodically make data available to the public. This data includes information on geographic distribution of loans and applications, ethnicity, race, sex, income of applicants and borrowers as well as information on loan approvals/denials. Please contact us (540) 663-2181 for information regarding our branch locations where this information is available.
Credit Protection
Approximately every 7 seconds a working age American suffers a disabling injury or illness that’ll last for at least one month (source: disabilitycounter.org), and nearly 90% aren’t work related and therefore NOT covered by workers comp (source: Facts from LIMRA). If this happened to you, would you be able to make it by without your paycheck? With credit protection, we can help you keep your loans and credit under control.
Life Coverage: designed to reduce or pay off the insured balance of your loan if you die.
Disability Coverage: designed to pay your loan payment up to the contract limit if you become disabled due to illness or injury & are unable to work.
Involuntary unemployment: designed to pay your scheduled monthly payment up to the contract limit if you become involuntarily unemployed.
Get Pre-Approved for Your Mortgage Loan in VA!
Why choose Topside Federal Credit Union for your home loan? We offer competitive rates, a range of terms to fit your needs, no application fee, and a quick and easy loan process. Apply now or contact us with questions.
* The annual percentage rate (APR) is 6.450%. Rate may increase after consummation. Monthly payment calculation for loan amount of $150,000 with 3% down financed at 6.450% over 30 years, is $899.33 (payment amount does not include taxes and insurance, and actual payment obligation may be higher than this estimate).
Please call CUMA’s toll free number for questions/inquiries at 855-913-6193.
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