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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


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.

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

Refinancing of DFCU loans is available with a balance increase of $5,000 or more. Offer is valid for a limited time only. 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. 

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.