Digital Federal Credit Union · Credit union
Digital Federal Credit Union
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Availability: Membership required; DCU operates as a division of First Technology Federal Credit Union.
Our take: Pros & Cons
What we like
- Fixed interest rate and monthly principal-and-interest payments for the loan term.
- Conventional and jumbo fixed-rate mortgage options are available.
- DCU services the loan for its life and advertises no prepayment penalties.
What to consider
- The 3%-down program is for a 1-unit owner-occupied primary-residence purchase; borrower cannot own additional residential property at closing; jumbo loans are excluded.
- DCU membership eligibility and loan approval are required.
- Advertised pricing assumes 780+ credit score and 80% LTV; these are pricing assumptions, not published eligibility minimums.
AI-generated lender-level assessment based on published information. Not a verified assessment of FIXED-RATE MORTGAGE; confirm program-specific conditions below.
Additional lender considerations
- Eligible applicants may use a 3%-down, 30-year fixed primary-home purchase program with lender-paid mortgage insurance.
Newcomer requirements
FIXED-RATE MORTGAGE
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum down payment
- 5%
View full lender requirements
- Minimum down payment
- 5%
- Other conditions
- Minimum down payment excludes closing costs and pre-paid items; all loans subject to approval.
Questions to confirm with the lender (15)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 26, 2026 · Official requirements source
Rates and costs
FIXED-RATE MORTGAGE
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
FIXED-RATE MORTGAGE
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
Fixed-rate conventional and jumbo purchase and refinance mortgages from the DCU division of First Technology Federal Credit Union. Conventional loans generally require at least 5% down, with a separate 3%-down primary-residence purchase option for eligible applicants.
Legal lender: Digital Federal Credit Union
Lending channel: Direct lending
Provider type: Credit union
Lending channels: Direct lending. Origination status: Active.
NMLS identifier: 466914
More lender directory information
Parent: First Technology Federal Credit Union. Former names: Not stated.
Direct application information ↗
Membership required; DCU operates as a division of First Technology Federal Credit Union.
Directory verified: 2026-10-26 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 26, 2026
- Official lender source · Last checked Not confirmed
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.