Home Loans

We’re here to meet all your mortgage needs. Whether you’re looking to buy your first home, refinance for a better rate, or use your home’s equity for other financial needs, we are ready to help.

APPLY TODAY CONTACT A MORTGAGE SPECIALIST

Homebase Home Loan Benefits

Competitive Rates

Low mortgage and home equity loan rates are designed to keep monthly payments manageable and reduce long-term costs.

Flexible Lending Options

Choose between flexible mortgage and home equity solutions to meet your financial needs.

Local Expertise

With a team that understands the local market, you can get advice and service tailored to your community and financial goals.

View our Home Buying Guide

Member Advantage Mortgage

Member Advantage Mortgage (NMLS ID #1557) is your credit union’s trusted affiliate—a full service mortgage lender with an experienced staff offering honest professional advice, from purchase to refinance and everything in between. Member Advantage Mortgage offers a wide range of mortgage products at competitive rates.

Some of the loans we currently offer

30-Year Fixed Rate
3/1 ARM
5/1 ARM
7/1 ARM
VA 30-Year Fixed Rate

LEARN MORE MORTGAGE RATES

Home Equity Loan Options

Homebase Credit Union offers two flexible home equity financing options to help you leverage your home's value for major expenses, debt consolidation, or home improvements. Both options provide competitive rates and personalized service.

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) is a revolving loan that allows you to borrow against the equity in your home, similar to a credit card with a predetermined credit limit. You can draw funds as needed during the “draw period” and repay them over time, often with flexible, variable interest rates.

Flexible Access to Funds: Borrow as needed during the draw period for ongoing expenses like home improvements or education.
Lower Interest Rates: Typically lower than credit cards or unsecured loans, saving you money on borrowing costs.
Revolving Credit: Repay and reuse funds within your credit limit, giving ongoing financial flexibility.

Home Equity Fixed Rate Loan

A Home Equity Fixed-Rate Loan is a lump-sum loan that lets you borrow against your home’s equity with a fixed interest rate and predictable monthly payments. It’s ideal for one-time expenses, like home improvements, debt consolidation, or major purchases.

Lump-Sum Funding: Receive a single payment for one-time expenses such as debt consolidation, home renovations, or major purchases.
Predictable Payments: Fixed interest rate ensures consistent monthly payments for easier budgeting.
Competitive Rates: Often lower than unsecured loans, helping reduce overall borrowing costs.

Learn More

Contact a Mortgage Specialist

Carolyn Stein

NMLS #2003924
Phone: (703) 988-4048
[email protected]

NOTE: Electronic mail is not secure, and confidential information (such as social security number, account number, etc.) should not be communicated in this manner.

Mortgage Calculators

Home Loan FAQs

What types of home loans does Homebase CU offer?

Homebase CU offers a variety of home financing options, including:

Fixed-rate mortgages
Adjustable-rate mortgages (ARMs)
VA loans
FHA loans
HELOCs
Home equity loans

Can I refinance my mortgage with Homebase CU?

Yes, you can refinance your existing mortgage to lower your interest rate, reduce monthly payments, or access cash from your home’s equity.

How do I get started with a home loan at Homebase CU?

Contact a Homebase CU mortgage specialist or visit our website to explore loan options, use calculators, and begin your application process.

Are there fees associated with home loans or equity loans?

Fees can include origination, closing costs, or appraisal fees, depending on the loan type. Homebase CU provides clear details for each loan option.

Is interest on home equity loans tax-deductible?

Interest may be tax-deductible if used for home improvements, but it’s recommended to consult a tax advisor for your situation.

What is a home equity loan or line of credit?

These loans let you borrow against your home’s equity for major expenses, home improvements, or debt consolidation.

What are the benefits of fixed-rate vs adjustable-rate loans?

Fixed-rate loans provide predictable monthly payments, while ARMs often start with lower initial rates that may adjust over time, potentially saving money.

Programs, rates, terms and conditions are subject to change without notice. Certain restrictions may apply. All approvals subject to underwriting guidelines. Not all applicants will qualify. Member Advantage Mortgage LLC (MAM) is a subsidiary of CUSO Development Company (CDC) and an affiliate of Homebase Credit Union (NMLS #460966), who is also one of MAM’s owners. MAM is licensed by the Virginia State Corporation Commission, (License #MC-5045), NMLS ID #1557 (www.nmlsconsumeraccess.org). Equal Housing Lender.