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 DCU; 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
DCU
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Income documentation
- Published conditions apply. Read the full lender requirements below before applying.
- Employment documentation
- Published conditions apply. Read the full lender requirements below before applying.
View full lender requirements
- Income documentation
- The documents required for a mortgage application vary depending on your situation, loan type, and lender some borrowers may be asked to supply additional information. Following are the types of documents you may be asked to provide for yourself and any co-borrowers. Personal identification documents, such as a government-issued ID and Social Security number, are needed to prove your identity. You may also need current immigration documents, if applicable. Income and employment documents including paystubs and W-2s provide a snapshot of your current income and the stability of your income over time. You’ll need 30 days of paystubs, two years of W-2s and federal tax returns from the previous two years for all applicants. Self-employed borrowers need two years of personal and business tax returns plus a YTD profit and loss balance sheet. Asset documents, such as bank statements, investment account statements and retirement plan statements show the assets you have available for immediate financial obligations as well as your overall financial security. You’ll need 60 days of complete bank statements including all pages. Other documents may be needed depending on your situation. For example, if you receive a down payment gift, you may need a gift letter from the donor. If you’re divorced or separated, you may need to provide a divorce decree or separation agreement. After you sign a purchase agreement to buy a home, you’ll need to provide the signed contract between you and the seller indicating they accepted your purchase offer.
- Employment documentation
- Income and employment documents including paystubs and W-2s provide a snapshot of your current income and the stability of your income over time. You’ll need 30 days of paystubs, two years of W-2s and federal tax returns from the previous two years for all applicants. Self-employed borrowers need two years of personal and business tax returns plus a YTD profit and loss balance sheet.
- Other conditions
- Documents depend on the borrower situation and loan type; additional information may be requested.
Questions to confirm with the lender (14)
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
- Minimum down payment
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 26, 2026 · Official requirements source
Rates and costs
DCU
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
DCU
- The documents required for a mortgage application vary depending on your situation, loan type, and lender some borrowers may be asked to supply additional information. Following are the types of documents you may be asked to provide for yourself and any co-borrowers. Personal identification documents, such as a government-issued ID and Social Security number, are needed to prove your identity. You may also need current immigration documents, if applicable. Income and employment documents including paystubs and W-2s provide a snapshot of your current income and the stability of your income over time. You’ll need 30 days of paystubs, two years of W-2s and federal tax returns from the previous two years for all applicants. Self-employed borrowers need two years of personal and business tax returns plus a YTD profit and loss balance sheet. Asset documents, such as bank statements, investment account statements and retirement plan statements show the assets you have available for immediate financial obligations as well as your overall financial security. You’ll need 60 days of complete bank statements including all pages. Other documents may be needed depending on your situation. For example, if you receive a down payment gift, you may need a gift letter from the donor. If you’re divorced or separated, you may need to provide a divorce decree or separation agreement. After you sign a purchase agreement to buy a home, you’ll need to provide the signed contract between you and the seller indicating they accepted your purchase offer.
- Income and employment documents including paystubs and W-2s provide a snapshot of your current income and the stability of your income over time. You’ll need 30 days of paystubs, two years of W-2s and federal tax returns from the previous two years for all applicants. Self-employed borrowers need two years of personal and business tax returns plus a YTD profit and loss balance sheet.
- 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.