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Mortgage Loans: Purchasing


Mortgage Loans

Rates as low as

4.75% / 6.140% APR *

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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.

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Refinancing Your Current Loan

A home loan refinance offers the chance to lower your rate, shorten or extend your term, and cash out equity. Apply Now Learn More

Unlocking Your Home Equity

A home equity loan or line of credit gives you the funds to pay for renovations and other projects. Apply Now Learn More


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.



Mortgage Loan Options


Fixed-Rate Mortgage Loans

With a fixed-rate mortgage your payment will stay the same over the life of your loan because your interest rate doesn’t change. This makes budgeting easy and stress-free.

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Adjustable-Rate Mortgage Loans

ARMs offer a lower starting rate so your payment is lower at first. Your rate adjusts later and your payment may increase. It's a good option if your income will rise in the future.

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Jumbo Loans

If you're looking to borrow more than $647,200, a jumbo loan may be the answer. We have a range of jumbo loans offering the same features as our fixed-rate mortgages.

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VA Loans

The VA offers loans with benefits including no down payment, competitive rates, and limited closing costs. U.S. Veterans, active-duty service members, and other military personnel may be eligible.

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FHA Loans

First-time homebuyers and repeat buyers may be eligible for an FHA loan with easier qualifying, a low down payment, and lower mortgage insurance than conventional loans. Credit and income restrictions may apply.

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Unique Loans

Don't worry if none of these options sound like they fit your needs! We also offer unique loans, including Balloon Loans, so ask today and a loan specialist will help find your best match and tailor a loan to your situation.

Contacts Us


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!”

Julie K. B.


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.

Harmony Loan Feature

If market interest rates fall after your first six months, you can simply click a button to lower your rate.

Learn More

Tools for First-Time Home Buyers

Find out about the homebuying process, use calculators, and access seminars so you're informed before you apply.

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Documentation Checklist

Use our mortgage application checklist to save time and stress by gathering all your documents in advance.

Learn More


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:, 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 4.341%. Rate may increase after consummation. Monthly payment calculation for loan amount of $150,000 with 0% down financed at 4.341% over 30 years, is $693.82 (payment amount does not include taxes and insurance, and actual payment obligation may be higher than this estimate). ** Certain restrictions and limitations apply. Private Mortgage Insurance required for loans over 80%LTV. Please contact a CUMA loan officer for more information. CUMA’s Mortgage Loan Originators are registered and comply with the National Mortgage Licensing System (NMLS) and Registry. Credit Union Mortgage Association, INC NMLS ID is #410502. Caps of 2/2/5 with 2.75 margin indexed to the 5 Yr. T-Bill index.  Rates and program guidelines subject to change without notice. 


Please call CUMA’s toll free number for questions/inquiries at 855-913-6193.



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