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Direct Federal Credit Union
ISAOA/ATIMA

50 Cabot Street
Needham, MA 02494

Completing your mortgage application online is just like completing one on paper — with the added benefit of being able to complete it anytime, anywhere. Plus, at any time, you may stop and save your application; then return to it later. Expect your application to take about 15 minutes to complete. A series of prompts and helpful tips will guide you through each screen to help you through each stage of the application process, which includes the following steps:

Start App – You’ll be asked to select a username and password to ensure security and privacy. Create and enter your username and password here and make a note of them for your records.

Loan Details – Enter the address, price and other information related to the property.

Personal Info – Provide the name, date of birth and social security number for EACH borrower.

Employment Income – Tell us about your current employment situation, including gross income and any additional income you may receive.

Expenses – What is your current monthly expense for housing?

Asset Info – Provide a list of your financial assets, including bank accounts and investments, in order to verify that you have access to sufficient funds to complete the transaction.

Submit App – After a few final questions, simply submit the application to Direct Federal and a mortgage specialist will follow up with you

With Direct Federal, you can open a Home Equity Loan or Line for:

Primary Residences: Any amount between $20,000 and $500,000.

Second Homes and Investment Properties: Any amount between $20,000 and $200,000.‍

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We currently do not offer 529 plans.

‍View our banking account options >

Yes! The Joint account holder can create their own user login.

In some cases merchants do not submit the physical check for payment.  The check is converted into an electronic check (eCheck).  This is also known as a digital version of a paper check (Image replacement Document).  eChecks use the Automatic Clearing House (ACH) to debit from a members checking account.

You can reset your password.

Reset Password >

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If you are locked out of your account please call us at 888.2DIRECT.

We do not offer RV loans at this time, but click below to learn more about what personal loans and lines of credit we offer!

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View Home Equity >

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In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.

Dividends start to accrue on the date the  account is funded.