Delta Community Credit Union · Credit union
Delta Community Credit Union
Review published mortgage options and requirements, then request a personalized quote from the lender.
Unlinked lender examples are shown separately and do not establish this program’s pricing.
Availability: Must be eligible for membership and become a member before the mortgage application can be processed.
At a glance
- Property use
- Investment property
- Credit requirement
- 640
Still to confirm: Borrower type, Reserves.
Our take: Pros & Cons
What we like
- Fixed interest rate and monthly principal-and-interest payment over the loan term.
- First-mortgage options with a generally 1% origination fee or no origination fee.
- Fixed-rate jumbo terms of 10, 15, 20 and 30 years; loan amounts $832,751–$5,000,000.
What to consider
- Must be eligible for membership and become a member before the mortgage application can be processed.
- Lender-wide minimum middle credit score is 640; jumbo credit scores as low as 700 may qualify. Other underwriting conditions apply.
- Mortgages offered in 19 stated states and the District of Columbia; mobile homes are not eligible.
AI-generated lender-level assessment based on published information. Not a verified assessment of First-Mortgage Purchase or Refinance Home Loan — Investment property; confirm program-specific conditions below.
Additional lender considerations
- $500 lender-paid closing-cost credit for eligible purchase applications submitted through December 31, 2026; excludes refinance, home equity, HELOC and lot/land loans.
- Visa, SSN/ITIN, foreign-credit and foreign-income mortgage acceptance are not stated in the reviewed sources.
Newcomer requirements
First-Mortgage Purchase or Refinance Home Loan — Investment property
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum credit score
- 640
- State restrictions
- AL,AZ,CA,CO,DC,FL,GA,IN,KY,MD,MA,MN,NY,NC,OH,SC,TN,TX,UT,VA
- Property restrictions
- Single-family residences, residential housing 1–4 units, PUDs, condominiums and townhouses.
- Occupancy
- Investment property
View full lender requirements
- Minimum credit score
- 640
- State restrictions
- AL,AZ,CA,CO,DC,FL,GA,IN,KY,MD,MA,MN,NY,NC,OH,SC,TN,TX,UT,VA
- Property restrictions
- Single-family residences, residential housing 1–4 units, PUDs, condominiums and townhouses.
- Occupancy
- Investment property
- Other conditions
- Must be eligible for membership and become a member before the mortgage application can be processed.
Questions to confirm with the lender (12)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum down payment
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
Requirements last reviewed: Oct 26, 2026 · Official requirements source
Rates and costs
First-Mortgage Purchase or Refinance Home Loan — Investment property
Rates are available on request
No reviewed advertised rate example is linked to this program.
View unlinked lender examples — not verified pricing for this program.
How to apply
First-Mortgage Purchase or Refinance Home Loan — Investment property
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Conventional fixed-rate purchase and refinance mortgages for primary residences, second/vacation homes and investment properties, with origination-fee and no-origination-fee options. Fixed-rate jumbo loans are also available.
Legal lender: Delta Community Credit Union
Lending channel: Direct lending
Provider type: Credit union
Lending channels: Direct lending. Origination status: Active.
NMLS identifier: 401141
Published service states: AL,AZ,CA,CO,DC,FL,GA,IN,KY,MD,MA,MN,NY,NC,OH,SC,TN,TX,UT,VA
More lender directory information
Direct application information ↗
Must be eligible for membership and become a member before the mortgage application can be processed.
Directory verified: 2026-10-26 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 26, 2026
- Official lender source · Last checked Oct 26, 2026
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.