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Apply for a DHOAS Home Loan

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ADCU offers you four easy ways to apply for a DHOAS Home Loan.

Please note however, that in order to obtain DHOAS loan approval from ADCU, it is required that you obtain a Subsidy Certification from the Department of Veterans' Affairs first.

Apply Online


Start an online application form. Not much time? Save your form, and retrieve it to complete later.

Apply Branch


If you visit one of our branches, we'll be happy to walk you through the application process.


Downloadable Form

Download our DHOAS Loan application form or Existing Borrower Transfer to DHOAS form, complete it, and then mail, fax or drop it back to us.

Apply Phone


We'll walk you through the application process over the phone.
Call the DHOAS hotline on 1300 2 DHOAS (34627).

Mobile Banker

Mobile Banker

Fill in our quick online form, and we’ll contact you to answer any questions and confirm your appointment.

Note: the downloadable form is provided in .pdf format and requires version, 4.0 (or later) of Adobe Reader. You can download Adobe Reader by clicking on the "Get Adobe Reader" button below.