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Mortgage Loans: Purchasing


Mortgage Loans

Rates as low as

3.74% / 4.341% APR *





Whether you're a first-time home buyer or current homeowner, we've got you covered with low rates and flexible terms.


Buying a Home

Enjoy a stress-free home buying experience with guidance from our experienced loan officers.

Apply Now

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.

Adjustable-Rate Mortgage Loans

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

Jumbo Loans

If you're looking to borrow more than $765,600, a jumbo loan may be the answer. We have a range of jumbo loans offering the same features as our fixed-rate mortgages.

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.

FHA Loans

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

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.


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 home buying process, use calculators, and access seminars so you're informed before you apply.

Learn More

Documentation Checklist

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

Learn More






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.