Mortgage Loan
We’ll walk you through it all.
URW Works With You To Find Your Home
Explore mortgage loan options that suit your budget and needs.
Personal Service
We remain a consistent point of contact for you as you go through this process.
Low Down Payment
You can be approved by making a down payment as little as 5% of the home’s purchase price.
Get Pre-Approved
If you’re just starting out, visit our Arnett, Chatham, Lowe’s Drive, or Yanceyville branches to discuss getting pre-approved.
Mortgage Loan Rates
See all rates.
|
Type |
Term |
Max. Amount |
LTV |
APR* |
|---|---|---|---|---|
|
*APR – Annual Percentage Rate |
||||
|
Type Conventional Mortgage |
Term 10, 20, or 30 Year |
Max. Amount n/a |
LTV 93-95% |
APR* Call (434)793-1278 for rate |
|
Type FHA |
Term 10, 20, or 30 Year |
Max. Amount $1,209,750 |
LTV 96.50% |
APR* Call (434)793-1278 for rate |
|
Type VA |
Term 10, 20, or 30 Year |
Max. Amount n/a |
LTV 100% |
APR* Call (434)793-1278 for rate |
|
Type Rural Development |
Term 30 Year Fixed |
Max. Amount n/a |
LTV 100% |
APR* Call (434)793-1278 for rate |
|
Term |
Max. Loan Amount |
Max LTV |
APR as low as |
|---|---|---|---|
|
APR* Annual Percentage Rate |
|||
|
Term 12, 15, 20, 25, and 30 years |
Max. Loan Amount $850,000 |
Max LTV 95% |
APR as low as 4.99% |
|
Term |
Max. Loan Amount |
APR as low as* |
|---|---|---|
|
*APR – Annual Percentage Rate |
||
|
Term 12, 15, 20, 25, and 30 years |
Max. Loan Amount $850,000 |
APR as low as* 4.99% |
Calculate Your Monthly Mortgage Payment
Enter the amount you wish to borrow to purchase your home, and the estimated monthly payment for each term will appear on the right column.
The results of this mortgage calculator are estimates for informational purposes only. The rates and payments shown are based on the information you provided and are not guaranteed. Your actual interest rate, annual percentage rate (APR), and loan terms will be determined by your financial qualifications, property type, loan amount, and current market conditions. For a complete and accurate mortgage quote, please contact a qualified loan officer.
Calculate Your New Payment Amount When You Refinance With Us
The results of this mortgage refinance calculator are estimates for informational purposes only. The rates and payments shown are based on the information you provided and are not guaranteed. Your actual interest rate, annual percentage rate (APR), and loan terms will be determined by your financial qualifications, property type, loan amount, and current market conditions. For a complete and accurate mortgage quote, please contact a qualified loan officer.
Disclosures
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*If you are applying for a pre-approval, purchase or refinance, an application deposit will be collected to cover the cost for the credit reports. This fee will be credited toward closing costs. We will accept your application online even if you are not currently a member. However, all borrowers on the application will be asked to qualify for membership. Prior to your loan closing, you will be asked to open a qualifying account. Residency restrictions apply. Cash out refinance transactions with LTV over 70% will be .75% higher than rates quoted. Paying off a home equity loan is considered cash out.