You’ve come to the right place to get your conventional mortgage loan. Partners Financial FCU is here to make sure you have a great home buying experience – we’ll guide you through the closing process and save you money along the way.

Benefits of a Partners Financial Conventional Mortgage

With Partners Financial FCU, your conventional mortgage comes with competitive rates, exceptional local service, and terms to suit your budget and goals. You can apply online and get your loan pre-qualified to find out the ideal price range for your home. Then you can start house hunting with confidence because your financing is ready to go!

  • Low, Fixed Interest Rates

    We offer competitive rates so you can save money financing your home with Partners Financial FCU. Fixed rates make budgeting easy because your payments stay the same for the life of your loan.

  • Stress-Free Application Process

    Our home loan application and loan process is user-friendly and welcoming because we know buying a home is a big deal. All loan decisions are made inside one of our local Richmond branches, and we are committed to providing approvals as quickly as possible.

  • Range of Repayment Terms

    Our conventional mortgage options come with your choice of loan terms, including 10, 15, 20, and 30 years so you can get the perfect monthly payment for your budget and goals.

  • Easy Account Management

    You can access your mortgage account anytime, anywhere, with Mobile Banking and Bill Pay.

  • Personalized Local Service

    With four branches throughout the Richmond area, we’re here to help you navigate the home loan process so you can have an enjoyable home buying experience.

Conventional Mortgage Loan Resources

Buying a home is one of the biggest decisions you can make in your life, but we’re here to make sure you have all the information and support you need. Our conventional mortgage resources will make the home loan process easy.

Mortgage Loan Rates

Partners Financial FCU offers competitive rates on home loans. We encourage you to call our Mortgage Loan Department to get a customized rate quote: (804) 649-2957.

Our current interest rates are listed below. Qualifications apply.

10 Year Fixed4.500%4.669%*
15 Year Fixed4.500%4.617%*
20 Year Fixed4.750%4.844%*
30 Year Fixed5.000%5.071%*

*APR = Annual Percentage Rate. Rates listed above for credit scores 740 and higher. Rates listed are for a minimum loan amount of $100,000 and maximum loan amount of $548,250. Minimum credit score to qualify is 670. Maximum Loan-To-Value 80%. Limited time offer subject to end at any time without notice. Available only for primary residences in VA and NC. Contact one of our mortgage specialists for a personalized rate and closing cost estimate. NMLS #460266

  • Mortgage Loan Calculator

    Use our mortgage loan calculator to find a monthly mortgage payment based on your principal loan amount, loan term, and interest rate. You can also get a loan amortization schedule showing how much of each payment goes toward your principal balance versus your interest.

  • How Much Home Can I Afford Calculator

    It’s important to know how much home you can afford before you get financing. This home affordability calculator can give you an idea based on several essential factors.

  • Down Payment Calculator

    When purchasing a home, you get to choose how much money you put down. Lower down payments let you buy a home sooner, while higher down payments mean you can borrow less. Use this calculator to see which down payment works for you.

FAQ About Conventional Mortgages

Should you apply for a home loan before finding a home?

Yes, it’s a good idea to get pre-qualified before you start house hunting. Getting pre-qualified for your home loan means you’ll know the ideal price range for your home, so you get a monthly payment you can comfortably afford.

It also means the sellers will know you’re a serious buyer, and they will be more willing to work with you to help you buy the home. This is especially true in a competitive housing market.

Is it better to get a conventional mortgage from a credit union?

Credit unions are member-owned not-for-profit financial institutions, so they pass on their profits to their members through lower rates and fewer fees. That alone means you’ll save money by financing through a credit union. But there are other benefits too.

Credit unions are known for their outstanding local service and commitment to their community. Loan decisions are made locally and not by an impersonal algorithm, so you’ll have a much more personable experience. And credit union members enjoy special benefits that aren’t usually offered by the bigger banks.

What kind of credit score do you need to buy a home?

While your credit score is part of the application, it is not the only or most important factor in our decision. We also look at your income, other debts, and the amount you want to borrow. In general, the higher your score, the greater your chance of approval. But we work with members with all credit scores to help them get financed.


Choose Partners Financial For Your Conventional Mortgage Loan

At Partners Financial FCU, we’re proud to offer you trusted member service and outstanding products to help you buy the perfect home for you and your family.


The information contained on this page does not constitute and should not be construed as an offer to extend credit. Eligibility for any available mortgage programs can only be determined once a completed application has been submitted and a review of each applicant’s credit score, credit history and overall creditworthiness has been completed.

Interest rates can vary widely because they depend on factors such as loan purpose, loan-to-value, credit history, cash down, etc.

Partners Financial does not obtain credit reports for members requesting rate quotes. The quote will be based solely on the information you provide and is an estimate only.

You are leaving the Partners FFCU website and will be linked to an alternate Internet site not operated by the credit union. Partners FFCU is not responsible for the content of the alternate Internet website. Partners FFCU does not represent either the third party or you if the two of you enter into a transaction. Please be aware that privacy and security policies on the website to which you are being taken may differ from those practiced by Partners FFCU.

A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

Please select OK to confirm and continue to the payment form.

Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).