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Deserving individuals, like Dover Federal Credit Union AWESOME Members, should have access to affordable Home Ownership opportunities.  From buying your first home to maximizing its' value by making improvements with a Home Equity loan, Dover Federal has a Home Loan to fit your lifestyle.


A Dover Federal Home Loan offers:

  • Convenient repayment terms
  • Ability to borrow up to 100%LTV*
  • Fixed1 and variable2 rates
  • NO prepayment penalties



Your Choice Home Equity Loan

Your Choice is a new choice for home equity loans. With this flexible loan you can consolidate all of your loans into one easy to manage monthly payment.* Use the equity in your home to make what's next easier.

Your Choice Benefits

  • Use the segment feature and lock-in your rate as many times as you'd like within the draw period
  • No maximum or minimum segment lock amount
  • No fee to lock-in balance
  • Lock-in up to 2 loan segments at a time
Your Choice Home Equity Loan - Example


Home percentage rate icon Equity Advantage^

Consolidate and pay off your existing mortgage with a 12 year Equity Advantage^ loan. With an extremely low fixed rate`, equal monthly payments and terms up to 144 months, an Equity Advantage is an AWESOME solution to helping homeowners become ‘mortgage free’, sooner than later. Unlike a traditional Home Equity Loan, an Equity Advantage requires a first lien position with the ability to borrow up to 100% LTV*.


Home percentage rate icon Home Equity Loan

Take advantage of all your home has to offer with a Home Equity Loan. With a fixed rate, equal monthly payments and terms up to 240 months, a Home Equity Loan will provide you the cash you need. Turn your house into a home, when you use a Home Equity to borrow up to 100% LTV* of the equity in your home.


Line of Credit Icon Home Equity Line of Credit

Enjoy access to cash when you need it, with a variable2 rate Home Equity Line of Credit (HELOC). A HELOC provides peace of mind and affordable solutions for home owners.


Land Loan Icon Land Loans

Purchase the perfect location for your home, with a Dover Federal Land loan. Borrow up to 80% loan-to-value on unimproved (raw land) for up to 12 years! Let your dream home begin with Dover Federal.

Home Equity Partners Program

Receive 10% discounts on select home remodeling, repair, and additions services from local companies participating in our Home Equity Partners Program when you draw from your Home Equity. Our current partners include:


Can Do Painting Services and More
Can Do Painting Services and More

Phone: 302-202-9847
Website: https://candopaintingservices.com
Can Do Painting is a Veteran owned and operated business that offers quality service at a better price. Can Do offers free estimates and is licensed and insured.

Bright Side Exteriors
Bright Side Exteriors

Phone: 302-359-7347
Website: http://trustbrightside.com
Bright Side Exteriors provides high quality exterior replacement services. More than 60% of Bright Side’s workload, however, is residential roofing replacement. Having replaced over 1000 roofs on Delaware homes since 2013 Bright Side offers a high quality customer experience through a unique business model.

The company’s design focus brings a different element to a less than exciting home improvement project. Through state-of-the-art modeling programs Bright Side can provide a detailed three-dimensional walkthrough of their proposed projects. Representing colors, and styles clearly so that, homeowners can choose their materials with confidence.

Leading Edge Gates and Controls
Leading Edge Gates & Controls

Phone: 302-892-2575
Website: https://leadingedgeaccess.com
Leading Edge Gates & Controls, LLC is a local family run residential and commercial fencing and automated security gate business. Their goal is to help their customers secure their families and investments by way of fencing. Leading Edge only installs quality products to ensure that their customers get the best value. They offer many options for style and material such as wood split rail fence, 6’ tall steel privacy panels, vinyl pool fence and residential aluminum just to name a few. When you have Leading Edge Gates & Controls, LLC install your backyard fence you can be assured that we will take as much pride in our install as you do in your home. We make sure to install your fence to suit your individual needs.

Middletown Kitchen and Bath
Middletown Kitchen and Bath

Phone: 302-464-1236
Website: https://mkbde.com
Middletown Kitchen and Bath provides interior design services utilizing Pro Kitchen software, the sale of kitchen and bathroom cabinetry, countertops, appliances and fixtures, and provides floor to ceiling, turn-key remodeling services for kitchens, bathrooms, and other interior rooms of the home. When you choose to do business with Middletown Kitchen and Bath, you are not just purchasing a product, you are entering into a partnership with an expert who truly cares about your family, your home, and no matter how large or small the project, appreciates the hard-earned income you will spend on your renovation.

Sundance Kitchen, Baths, & Exteriors
Sundance Kitchen, Baths, & Exteriors

Phone: 302-793-9352
Website: https://www.sundancecustomhomesllc.com
Sundance Kitchen, Baths, & Exteriors is a local home improvement company that has proudly served residents in Delaware, Maryland, and Pennsylvania since 2004. As a one-stop shop for home renovations, they can provide a variety of services. Their wide-range of capabilities make them a convenient choice for handling multiple projects, as you’ll only need to seek professional help from one reliable and family-owned company with an outstanding reputation in the communities that they serve.

Get the Right Mortgage

Whether you are buying your first home or investing in a second home, Dover Federal Credit Union and their Mortgage partner, Member First Mortgage, offer a variety of Mortgage products with EXTREMELY LOW-interest rates, that make the American Dream of home ownership a reality.

APPLY for your MORTGAGE today.

Get Started Today!

Dover Federal Credit Union has a team dedicated to helping you meet your financial goals.  
Eligible members can visit any branch location where a Dover Federal employee will gladly assist you.
Call 302-678-8000 or 888-818-3328 or

Apply Online Now

The advertised annual percentage rate may vary based on creditworthiness and terms. 1The advertised rate is a fixed annual percentage rate for a loan term of no more than 12 years (144 months), requires a first lien position against your home, and 100% LTV* (Loan to value). The stated rate for the 1st Lien Home Equity loan is discounted which includes: a requirement of automatic loan payment transfers, direct deposit of net pay and a checking account for .50% discount.  APR= Annual Percentage Rate, subject to change.  2Home Equity Lines of Credit are variable-rate loans. Rates are based on an evaluation of credit history, CLTV (combined-loan-to-value) ratio, loan amount and occupancy, so your rate may differ. The plan has a maximum APR of 18%.  Under no circumstances will the APR go below the floor during the term of the loan .  Rate may adjust monthly with the Prime rate as published in The Wall Street Journal. We will use the most recent index value available to us as of 10 days before the date of any annual percentage rate adjustment. Dover Federal Credit Union is not affiliated with any promotional partner and by offering any discounts or incentives for any promotional partner does not recommend, endorse, warrant or guarantee any goods or services provided by such promotional partner. 

*Credit is subject to approval. This account provides the option to convert some or all of the outstanding balances from a variable APR to a fixed APR during the draw period for terms from 5 to 20 years. Terms and conditions apply. See credit union for details.

Refinancing of existing Dover Federal Loans may not be available.  The Fair Housing Act, makes it illegal to make or publish any advertisement that indicates any preference, limitation, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin. Please check here for more information. Consumer access to the Nationwide Mortgage Licensing System and Registry. A list of current Dover Federal Mortgage Loan Originators is available upon request. Consumers may access the registry via the web at http://www.nmlsconsumeraccess.org or they may contact the NMLS Call Center at (240) 386-4444.  The latest HMDA data about our residential mortgage lending, as modified by the Consumer Financial Protection Bureau to protect applicant and borrower privacy, is available online for review on the Bureau’s website at  www.consumerfinance.gov/hmda . A paper copy can be obtained by submitting your written request to Dover Federal Credit Union, 1075 Silver Lake Blvd, Dover, DE 19904.