Let us help you purchase the home of your dreams

There's never been a better time to finance, or refinance a home while prices and rates are low. And while some lenders remain skittish about mortgage lending after the subprime mess, URW Community Federal has money to lend.

With competitive interest rates and monthly payments you can afford, we work with you to find a home that fits your needs and budget. A Conventional First Mortgage from URW Community Federal also offers:

• Qualification with as little as 5% down
• Easy payment options
• A consistent contact and personal service
• Great terms and options for Conventional First Mortgages
• Financing in all 50 states

Fixed-Rate Mortgages

• 10- to 30-year terms (in five-year increments) available on primary residence

Adjustable-Rate Mortgages

• 30-year 5-1 adjustable available on primary residence
• Initial fixed-rate period of five years, then adjusted each anniversary date

Vacation Property

• 10- to 20-year terms (in five-year increments). 30-year term available if you plan to retire to the property purchased.

URW Community Federal offers conventional first mortgages in all 50 states. If you are financing outside of our standard lending area of VA, please call a Mortgage Professional at 866-879-6328.

Get pre-approved today

If you're just beginning to look for a house or wish to refinance, please visit our Arnett, Chatham, Lowe's Drive, or Yanceyville Branches and we may be able to pre-approve you for a mortgage. Not only does it remove one obstacle to negotiations, a pre-approval also helps you narrow down a practical price range.

Call 434-793-1278 to discuss your options and schedule an appointment.

*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.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Click here to view the full HUD Statement.