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Whether you are buying or building, a first-time home buyer, or purchasing land, the experienced mortgage team at Virginia Commonwealth Bank is here to help make your dreams come true. We offer numerous mortgage solutions with competitive rates and will work with you closely to accommodate your personal and financial goals.
Review our products below or choose a mortgage expert in your area to help you begin your mortgage loan process. However you decide to proceed, the good news is we have your back from application to close and will be there with you every step of the way!
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Traditional mortgage loans whether you're looking for fixed or variable rates.
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Use your home's equity to get a flexible spending account or to refinance.
Whether it's jumbo loans, USDA or VHDA loans, lot loans and more - we can help.
With a fixed rate Mortgage from VCB, your monthly principal and interest payment schedule will never change, so you can calculate your housing costs for the life of the loan.
When choosing a fixed rate mortgage, consider these factors:
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With an adjustable rate mortgage (ARM), payments and interest rates initially may be lower and you may qualify for a higher mortgage loan amount. Your initial interest rate can be fixed for a set period of time, while your mortgage payments are calculated on a variety of terms. An ARM is a good choice if you expect a possible increase in future income or net worth.
When considering an adjustable rate mortgage, remember these factors:
If you've decided you want to build your new home, you may be able to use our Construction-To-Permanent program to help get your dream started. A Construction-To-Permanent Mortgage Loan is designed to take you from purchasing the lot through completion of construction and securing your permanent financing, all with one loan closing.
Another great benefit of a Construction-to-Permanent loan is it will automatically be converted to an amortizing loan once your construction is complete. During the construction phase, the monthly minimum payment is interest-only, meaning you only pay on the amount of money used in the project thus far. Upon completion of your project, you’ll have the option to select the right term for your budget and at that time, the loan becomes a fully amortizing loan.
If choosing a construction or renovation loan, consider the following:
Our home equity line of credit (HELOC) is designed to help you use the equity in your home as a flexible spending account to use as you need the funds. If you're considering home renovations or planning for a major expense, a HELOC is a great option. Enjoy Convenient Features like no fees on cash advances and low, variable interest rates based on the Wall Street Prime Rate.
Wondering what the advantages of refinancing your current mortgage are? The mortgage experts at VCB can help answer your questions and make suggestions on the best product that will help you take advantage of your current home's equity, likely reducing your monthly payment or even shortening the term of your loan.
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A Jumbo Mortgage is a home loan that does not fit the standard terms of a conventional mortgage. So if you’re seeking to purchase a luxury home, a home with large amounts of property, or maybe even a dream castle, a VCB jumbo loan will help make your dream a reality.
USDA (U.S. Department of Agriculture) offers Rural Development (RD) loans which are a great option if you are looking to finance a home in a rural or suburban area. This program offers low rates without the requirement of a down payment for qualified properties.
At VCB, because we are a locally-owned community bank, we are able to make local decisions and offer a variety of portfolio loan products. If you are denied for a loan somewhere else but have good credit and believe you are a strong candidate for a mortgage, asking about our portfolio loan program is the smart thing to do.
Buying your dream home takes patience, and persistence. That’s why we are here to help you from application to closing.
If you’ve found that perfect piece of land to build your dream home on, the mortgage experts at VCB can help you choose the best financing options.
Home Ownership Made Easy. Our VCB HOME Program is a great option for first-time home buyers with limited credit history and less money available for down payment and closing costs. Let our mortgage professionals help you navigate your first time through the home purchase and mortgage financing process!
VHDA loans, offered by the Virginia Housing Development Agency, are also available for first-time home buyers. Please contact us for more details.
Our staff of home mortgage lending experts are ready to help you with your borrowing needs. Whether you're a first-time home buyer, or building or purchasing a vacation home, our seasoned mortgage experts are here to make your dream come true.
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Once you have completed the below information, please click Submit. One of our local mortgage experts will contact you. Thank you for choosing Virginia Commonwealth Bank for your financial needs!
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Lobby Hours
Monday-Friday: 9:00 a.m. - 5:00 p.m.
Monday-Friday: 9:00 a.m. - 2:00 p.m.
Drive-Thru Hours
Monday-Friday: 8:30 a.m. - 5:00 p.m.
Saturday: 9:00 a.m. - 12:00 p.m.
Branch Hours
Monday through Thursday 9:00 AM - 5:00 PM
Friday 9:00 AM - 6:00 PM
By appointment only
Monday-Thursday: 10:00 a.m. - 2:00 p.m.
Friday: 12:00 p.m. - 4:00 pm
Monday-Friday: 8:00 a.m. - 5:00 p.m.
Monday-Thursday: 9:00 a.m. - 5:00 p.m.
Friday: 9:00 a.m. - 6:00 p.m.