Real Estate Loans

First Mortgage Loans

KEMBA offers first mortgage loans on personal residences located within the state of Virginia. Purchasing a home is many times the biggest investment you will make in your life.  KEMBA is here to help our members navigate the road towards home ownership.  We have teamed up with Credit Union Mortgage Association to give our members expert advice and assistance with learning about all the different mortgage loan options, getting pre-qualified, and closing on your new home.  In addition, we can also help members that already have a first mortgage, but may want to look at refinancing to lower their interest rate or get cash out of the equity they have built up in their home.

If you need assistance don’t hesitate to call one of our mortgage loan professionals at 571-490-8007 or visit our Online Mortgage Center for all your questions and needs.  From our Online Mortgage Center you can quickly check rates, get pre-approved, or learn about first mortgage options.  Be sure to ask about our "Home Advantage" program!  "Home Advantage" allows are members to earn cash rebates when the close on their new home!

Home Equity and HELOC Loans

KEMBA offers home equity loans and home equity lines of credit (HELOC) on personal residences located within the state of Virginia. Home equity loans and lines of credit can be used for a variety of purposes.  Here are some examples of how members have used the equity in their home to make things happen:

  • Home Improvements and Remodeling

  • College Tuition

  • Major Purchases like appliances, furniture, and HVAC Equipment

  • Consolidation of high interest credit card debt

  • To pay-off holiday expenses

  • Vehicle repair costs

Home equity loans provide a fixed interest rate for the term of the loan.  You can choose a term of 5, 10, or 15 years.  The interest rate is typically lower then what you would pay on a credit card because the loan is secured by your home.

Home equity lines of credit (HELOCs) provide a variable interest rate and acts as a line of credit that you can access whenever you need it.

Utilize the links below and contact our lending team at 800-735-3622 in order to get your application started.