New Generations Federal Credit Union specializes in 15-year conventional mortgages for home purchases and refis. We do not sell our 15-year mortgages and we handle all servicing in-house. We take pride in our local approach to your mortgage lending needs. We also work with a partner to offer other mortgage programs, including 30-year fixed loans.

Whether you’re a first-time home buyer, refinancing your current home, or considering a second mortgage, we can help! Mortgage rates will vary based on creditworthiness and term of loan. All loans are subject to approval. For more information, please contact Chemeka Williams, Mortgage Loan Officer, at (804) 359-8754, ext. 3109.

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Click here for our mortgage loan calculators.

Click here to view the Home Mortgage Disclosure Notice Act.


NMLS IDs (Access NMLS Consumer Access Information):

Organization or IndividualNMLS Number
New Generations Federal Credit Union523374
Chemeka Williams1555504
Daniel J. Briere1555396


New Generations Federal Credit Union is an Equal Housing Lender.