- Routing #: 251082495
- Call: (804) 359-8754
Buying your first home is an exciting milestone, and it can also come with a lot of questions. That’s where we come in. At RVA Financial Federal Credit Union, we’re committed to making your first-time homebuying experience clear, supportive, and empowering from start to finish.
Whether you’re just beginning to explore what’s possible or you’re ready to take the next step, our team is here to guide you through every phase of the journey. We offer straightforward guidance, competitive mortgage options, and personalized support designed with first-time homebuyers in mind, so you can move forward with confidence.
Below, you’ll find a simple, step-by-step look at the homebuying process, along with helpful insights, options, and benefits to help you understand what to expect and how to prepare. From pre-approval to closing day, we’re with you every step of the way, because your first home should feel exciting, not overwhelming.
Understand your finances and credit
Know what you can afford
Work with a trusted realtor
Submit your application
Finalize and get the keys
First-time buyers may benefit from:
Our team can help you explore which options fit your needs.
Common Costs to Expect
Understanding these costs upfront can help you plan more effectively.
Take the First Step Toward Homeownership
Call anytime 24/7
(804) 359-8754
Routing # 251082495 | NMLS#523374 | Privacy Policy
If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 804-359-8754 for assistance. All products and services available on this website are available at all RVA Financial Federal Credit Union full-service locations.
1 Rate effective as of 02/01/2026. Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit and include discounts. Members may be eligible for up to 2 of 3 available discounts (up to a 1% APR rate discount), which includes a 0.50% discount for an approved automated payment method, a .50% discount for a loan-to-value (LTV) that is 100% or less, and 0.50% discount for Loyalty for members who have had a loan with us within the last five years or membership history of 10+ years. Subject to credit and collateral approval. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in our Preferred Dealer Network.
2 Rate effective as of 02/01/2026. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit and include discounts. Members may be eligible for up to 2 available discounts (up to a 1% APR rate discount), which includes a 0.50% discount for an approved automated payment method, and a 0.50% discount for Loyalty for members who have had a loan with us within the last five years or membership history of 10+ years. Subject to credit approval. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts.
