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Where to Start

Information For First-Timers

About First-Time Home Buying

Congratulations! We're pleased to be help you buy your first home. The more you know about the home-buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

The Mortgage Process

We've streamlined the entire mortgage process to bring you a faster, more advanced way to finance your home. Start by finding your best rate. Or use our calculators to find out if you're ready to buy, how much you can afford and more.

Purchasing A Home

Purchasing a Home

Buying a new home is exciting and the process of financing it is now faster and easier than ever before.

The Mortgage Process

We've streamlined the entire mortgage process to bring you a faster, more advanced way to finance your home. Start by finding your best rate. Or use our calculators to find out if you're ready to buy, how much you can afford and more.

Start Saving By Refinancing

Refinancing a Home

If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt, or plan a home improvement project.

The Mortgage Process

We've streamlined the entire mortgage process to bring you a faster, more advanced way to finance your home. Start by finding your best rate. Or use our calculators to find out if you're ready to buy, how much you can afford and more.



Today's Rates
Today's loan rates
RatePointsAPRPayment
15/15 ARM - Conforming 1
Interest Rate6.000%Discount Points0APR6.285%Payment Amount$1,799
30 Year Fixed - Conforming
Interest Rate6.250%Discount Points0APR6.410%Payment Amount$1,847
Jumbo 30 Year Fixed
Interest Rate7.000%Discount Points0APR7.100%Payment Amount$9,980
20 Year Fixed - Conforming
Interest Rate6.000%Discount Points0APR6.209%Payment Amount$2,149
15 Year Fixed - Conforming
Interest Rate5.625%Discount Points0APR5.885%Payment Amount$2,471


Buying a home?

Credit Union Mortgage Association - Retail Division (CUMA Retail), is a premier mortgage lending institution based in Virginia that provides residential mortgages in all 50 states. The association is affiliated with a growing base of 42 credit unions.
Banks and mortgage brokers are facing severe problems in today's market and are unable to provide reliability and stability to their customers and employees. CUMA Retail with its affiliation to credit unions does not face any of these issues and gives great ability to its employees while offering diverse products to its customers; Conforming, Conforming-Jumbo, Jumbo, FHA/VA, , Reverse Mortgages..... all with stability and reliability.
CUMA's professional management and in-house processing, underwriting, closing, and funding provide great customer service and efficiency. Complimentary credit union membership is provided to all customers who close their mortgages with CUMA Retail.
 
Contact Information
Credit Union Mortgage Association - Retail Division
10800 Main Street
Fairfax, VA 22030
Phone No: 703-425-1204   Fax: 888-245-7752

Customer Relations
In order to provide its customers and business associates (e.g., RealtorsTM) with top quality service, CUMA Retail has also engaged in correspondent lending agreements with numerous other banks. This provides customers a vast range of mortgage programs and the ability to underwrite and fund these programs in-house.
Keeping in mind the demographics and its commitment to equal housing, CUMA Retail has a well trained staff capable of speaking many languages to serve its customers. English, Spanish, Hindi, and Urdu are some of the languages spoken by team members.

Advantages
CUMA Retail pays a great deal of attention to education and self-development. All employees attend regular training sessions, seminars and meetings to keep themselves updated on developments in technology, industry, loan programs, etc. This practice enables CUMA Retail to provide its customers great quality service:- Additionally, production team members (loan officers) are managed by production managers. Every loan officer has a production manager to assist, guide, educate, and supervise him or her. This ensures that customer service, on-time closings and efficiency are maintained. The operations department meets together daily to discuss every single loan individually in order to ensure smooth settlement and on-time closings.
We are committed to community development and actively supporting various events from time to time.
With its principles of quality mortgage lending, customer service, efficiency, professional management, and dedicated and knowledgeable staff, CUMA Retail is a premier residential mortgage lending institution.
 

Mission Statement:

Happiness Comes in many ways...
A Great Mortgage for your home is certainly one of them!
Great Mortgages for Great Customers 

When it comes to getting a mortgage, for some it's just the rate, for some it's just timing, for some it's just the program, and for some it's just the convenience.
We at CUMA Retail believe that happiness comes in many ways - a great mortgage for your home is certainly one of them.
With us, it's the rate, program, and convenience.  On time performance and much more every time, time after time.
Each mortgage loan is specially looked after with care, quality, attention, expertise, hard work, trust and accountability.
Thanks for your valuable patronage and trust. Customer satisfaction is our journey and not a destination.

Organization   
 

Retail Manager:        703-425-1204 x333 TTaneja@CUmortgage.net