Virginia Fixed Rate Mortgages
Buying a home is easy with a Fixed Rate Mortgage from Langley
|Current Fixed Mortgage Rates|
A fixed mortgage rate mortgage ensures your monthly payments will remain constant regardless of interest rate fluctuation. At Langley FCU you have the additional benefit of no monthly mortgage insurance fees and no prepayment penalty.
Choosing a mortgage lender is a big deal, so don’t leave choosing where you finance your home to the last minute. Whether you are a first time homebuyer or have gone through the process a time or two, give Langley’s mortgage lenders an opportunity to make the financing or refinancing of your home a little less stressful.
Your Mortgage Professional
Lance has been in the finance industry for 24 years, with the last 14 concentrated in the mortgage industry. With an extensive grasp of all the lending rules, there is no one better to help you through the process of buying or refinancing your home. From VA loan to FHA to Conventional, be confident you'll get the loan that is right for you. Contact Lance today and set up a time to come in and discuss all your options.
The Langley Advantage
- Local decisions
- Locally serviced
- Great low rates
- Wide variety of options and terms
- Langley has been lending in Hampton Roads for 79 years
- Our team understands the market… we live here, work here, do business here
Frequently Asked Questions About Fixed Rate Mortgages
30 days for a purchase. 45-60 for a refinance. Exceptions can be made.
Yes, we have loan officers in several of our branches and two located in the mortgage department. Please call 757-827-7200 and ask to speak to a mortgage loan officer.
- W-2 forms for the last two years
- Current paystubs covering most recent 30 days
- For refinance, a copy of your homeowner's insurance policy.
- For refinance, a copy of your current mortgage statement(s).
- If self- employed or if you own rental property, the last two years' tax returns are required.
No, you can be preapproved before you start your new home search.
No, we offer loans for second homes and investment properties.
*APR=Annual Percentage Rate. 30-Year Fixed 3.875% (3.948% APR) - up to 60% LTV. The interest rate is current as of June 11, 2019. Offer applies to borrowers with a credit score of 740 or better depending on credit qualifications. The payment on a $200,000, 30-year Fixed-Rate Loan at 3.875% (3.948% APR) is $940.00. Property insurance and, if applicable, flood insurance is required. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some restrictions may apply. This rate is applicable for owner-occupied purchase or refinance (no cash out) of a single family dwelling.