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Real Estate

As an important financial decision, you can turn to us for funding when purchasing or refinancing a home. Our experienced and friendly professionals are ready to help find a loan that's just right for you with:

Personal service
Competitive rates
Flexible underwriting
Low closing costs
Ease of application

Mortgages

A Home Equity Loan is the smart way to finance home improvements, achieve a higher education, make large purchases or to consolidate higher interest rate debt. Not only do you get a low interest rate, but the interest portion of your payments may be tax-deductible (consult your tax advisor for details).

There are two types of Home Equity Loans to choose from:

Home Equity Line of Credit

A variable rate Home Equity Line of Credit allows you to access funds (up to your approved limit) as you need it.

Revolving line of credit secured by the equity in your home
The rate is the sum of the index and a margin
The index is Wall Street Journal Prime Rate and the margin will be determined by your personal credit score
Access the line by loan draft, on the Internet or stop by one of our branch offices

Traditional Non-Variable Rate Home Equity Loan

A Traditional Home Equity Loan provides a non-variable interest rate, one lump-sum payout and equal monthly payments over a specific time period.

Closed-end second mortgage secured by the equity in your home
Rates are determined by your personal credit score and length of loan you choose

Home Equity Lines of Credit and Traditional Non-Variable Rate Home Equity Loans:

Require appraisal, property search, flood zone certification, and recording of documents
Loan disbursement will be made after a three business day waiting period after all documents have been completed and signed

Loan Rates	APR (As low as*)
Home Equity	5.69%
Home Equity Line of Credit	3.50%
Home Improvement	6.69%
1st Lien Home Equity (120 months)	4.75%

*APR= Annual Percentage Rate. Rates quoted "as low as" are subject to an evaluation of your credit history. Your rate may vary from the rate shown. Rates are accurate as of June 1, 2013. Rates and terms subject to change without advance notice. Refinancing of existing Dover Federal Loans may not be available.

Land Loans

Want to start your home building dreams with some land first? If so, a Dover Federal Land Loan is perfect for you! Purchase or refinance a piece of land in the state of Delaware and receive a competitive fixed rate. Plus, borrow up to 80% loan-to-value of either unimproved (raw land) or improved land for up to 12 years!

For more information or an application, call 302-678-8000 from Kent County, 302-322-4230 from New Castle, or toll free at 888-818-3328.

Loan Rates	APR (As low as*)
Land Loans	5.69%

Members Auto & Home Insurance

Liberty Mutual offers the members of Dover Federal Credit Union Members Auto and Home Insurance, a program that provides a savings of up to 10% on auto and home insurance. For information about rates and local services, contact Corinne Johnson at 302-449-3461, ext. 53419 or toll free at 888-841-0127, ext. 53419 or email her at Corinne.johnson@libertymutual.com.

Loan Payment Calculator

Debt Protection

Sometimes taking out a loan can be a financial gamble.

Help play it safe!

Thinking about taking out a loan to make home improvements or buy a vehicle? It can be a financial gamble because life happens. You're betting you can pay back your loan and you won't lose your job (due to no fault of your own), or become disabled (due to injury or illness), or pass away-leaving your family responsible for your loan balance.

MEMBER'S CHOICE™ Borrower Security* is a voluntary loan-payment protection product that helps preserve your family's standard of living and gives you relief from financial burdens if a protected life event such as disability, loss of life, or involuntary employment happens to you.

Call a Member Services Representative at 302-678-8000 or 888-818-3328 and ask about protecting your loans today, or click here for more information.

*Your purchase of MEMBER'S CHOICE™ Borrower Security is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of MEMBER'S CHOICE™ Borrower Security.

Easy to Apply

To apply for your loan online, click here. You may also fax your application to 302-678-4391, or call 302-678-8000 from Kent County, 302-322-4230 from New Castle, or toll free at 888-818-3328 during regular business hours to have a friendly Credit Union representative take your information over the phone.

Convenient Payment

Dover Federal offers several easy-to-use payment methods:

Through automatic deduction from your Dover Federal Checking Account

By mail

Through our automated teller, Maxine 302-678-8024 or 800-818-3328.

Through the My Account

In person at any Dover Federal branch office

Through Payroll Deduction, allows you the ease and convenience of setting aside a certain
amount each pay period to be deposited to the account(s) of your choice at Dover Federal.

To enroll in Payroll Deduction, provide the following information to your employer:

DFCU Routing/Transit Number 231176648

Member Number from your membership card

Select either your savings or checking account for the deposit

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