Your Path To Homeownership Starts Here
Purchase Your Home with Confidence
80/10 First & Second Mortgage Program — No PMI Required
Buy your home with as little as 10% down and avoid private mortgage insurance (PMI), helping keep your monthly payment lower from day one.
Why VCCU’s 80/10 Program?
- As little as 10% down
- No PMI required
- Lower monthly payment potential
- Flexible payment options (weekly, bi-weekly, monthly)
- Pay ahead & save on interest over time
- Local underwriting — real decisions made fast
- Your loan stays local with VCCU (not sold)
A Smarter Way to Pay Your Mortgage
Because interest is calculated daily, making more frequent payments can help reduce your principal faster, meaning you may save on total interest and potentially shorten your loan term.
Built Around Real Life
- Gifted down payments allowed
- Cosigners accepted
- Low closing costs with no unnecessary fees
- Escrow options available for taxes and insurance
Why VCCU?
You’re not working with a call center or a faceless lender. You’re working with a local team that understands your community and looks for ways to help you succeed.
People Helping People—every step of the way.