Before you can make it your dream home, we ll make it a reality.

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1 Before you can make it your dream home, we ll make it a reality. Your guide to owning in Arlington.

2 About Us We love this community so much, We named ourselves after it. As Arlington s community credit union, we are proud to offer members a uniquely comprehensive and personal home buying experience. In this guide you ll learn about what kind of Mortgage products we offer, how you can get started with the home buying process, who to speak with about financing and finding your home, and helpful resources once you are a home owner. You ll see us out and about in the community quite a bit. As a team we donate hundreds of people-hours to various charitable causes and local events. If you are looking for opportunities to give back or volunteer your time in Arlington, we d love to have you join us.

3 Financing with ACFCU Why finance your Mortgage with ACFCU? We have a vested interest in helping you achieve your goal of buying or refinancing your home. Improving the financial lives of our members IS our bottom line. Finance with us and experience: Consultative loan experts that will help you find a solution. Quick turnaround time. Especially in the pre-approval process. Options. We have a full suite of finance options to meet every individual need. Competitively priced market rates for conforming loans, ARMs, and jumbo mortgages as well as trusted realtor partners to help you find your perfect home. ACFCU Mortgage options.* For VA loans there are payment options with 0% down up to $800, FHA: Purchase up to $625, for as little as 3.5% down. Purchase $417, and below for as little as 3% down. Purchase $417,001-$625, for as little as 10% down. Jumbo Loans Available. *Mortgage options may change without notice.

4 Meet Bryan Bryan is our in-house Mortgage Loan Officer. He is just about the nicest and most sincere guy you could hope for when tackling a life decision like mortgages. Bryan will sit with you individually to learn about your needs and challenges. He ll answer questions and make recommendations based on your unique situation. The feedback is unanimous our members love Bryan! Call (703) Ext. 340 to schedule your appointment with Bryan today. Preferred Realtors Friendly Community Realtors In serving a community like Arlington we come across so many people that are particularly amazing at what they do. So if you re without a Realtor and don t know where to turn, we re certainly proud to recommend three of our community favorites. Genevieve Concannon 3033 Wilson Blvd #700 Clarendon, VA [email protected] Michael Gorman Realtor & General Manager The Corus Group of Long & Foster [email protected] Donna Hamaker Buck & Associates 2519 Wilson Boulevard Arlington, VA [email protected]

5 What you ll need Mortgage Checklist Congratulations, you re on your way to becoming a homeowner. Get a head start on the mortgage process by having the following documents prepared at the time of your application: Asset Documentation: All pages of your Credit Union (or other financial insitution) account statements for last two months, including retirement Income and Employment Documentation: Copy of paystub(s) verifying 30 days of income W-2 or 1099 from all sources of income for last two previous years Signed copies of personal and federal income tax returns with all schedules for previous two years General Documents: Declarations page from your current homeowners, insurance and/or flood policy for each property owned or being purchased Mortgage statement from current lender and copy of most recent tax bill for each property owned (required for refinance loans)

6 Welcome to Arlington Live, Work, Play Arlington county neighborhoods have an eclectic and diverse feel. We think you ll find the people to be friendly and proud to be Arlingtonians. Ballston Clarendon Courthouse Crystal City Lyon Village Pentagon City Rosslyn Shirlington Virginia Square Westover Williamsburg Circle Palisades Aurora Heights Penrose Barcroft Glencarlyn Arlington Local Arlington is known for its traditional style homes and vibrant nightlife. Visit these online publications to stay connected to what s new and now. Arlington Magazine arlingtonmagazine.com ARLnow arlnow.com Arlington Patch patch.com/virginia/arlington-va Transportation Arlington is a transient city with transportation options galore. Here are some helpful online resources. Bike Arlington bikearlington.com Washington Metro Area Transit Authority (WMATA) wmata.com Arlington Transit (ART) arlingtontransit.com Education in Arlington Some of the top universities and school districts are located in Arlington County. We partner with these academic institutions for financial seminars, in-school branches, and welcome fairs. George Mason University gmu.edu Marymount University marymount.edu Northern Virginia Community College (NOVA) nvcc.edu Arlington Public Schools arlington.k12.va.us

7 Note

8 Relocation Essentials When the mortgage feels like the easy part We know that relocating can be pretty overwhelming. To help make the transition a little easier, remember to visit Arlington County s website and contact the offices below: Water & Sewer Emergencies (24-hour hotline) Gas Washington Gas Driver s License, Vehicle Registration, & Property Taxes: Visit or contact the offices below: Commissioner of Revenue 2100 Clarendon Boulevard, Suite 200 Arlington, Virginia Report Stream Pollution, Spills or Illegal Dumping Landline and Internet Verizon Cable and Internet Comcast Department of Real Estate Assessment: 2100 Clarendon Boulevard, Suite 611 Arlington, Virginia Treasurer s Office 2100 Clarendon Boulevard Suite 201 Arlington, Virginia Power Outages or Downed Power Lines Dominion Virginia Power at 866-DOM-HELP ( ) Hospital and Urgent Care Virginia Hospital Center 1701 N. George Mason Drive Arlington, VA arlingtoncu.org *This Credit Union is Federally Insured by the National Credit Union Administration.