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Home Loans

Home Mortgages

Our credit union real estate specialists are ready to assist with a variety of home loan programs. Whether you’re interested in buying your first home, upgrading to a larger home, refinancing your existing mortgage or taking advantage of the equity you’ve built, we have a lending solution for you.

View Current Rates     Loan Officers

We offer the following lending solutions:

Questions? Contact one of our real estate specialists or use a mortgage calculator to guide your decision making

Home Loans

Purchase that dream home, refinance from other lenders to lower your payments, or draw cash out to use as you please. We offer competitive rates and low closing costs along with many other benefits.

  • No application fees
  • No prepayment penalties
  • Financing up to 95% of home value
  • Cash out up to 80% of home value
  • Consolidate first and second mortgages and home equity lines of credit 
  • Offering fixed and adjustable rate mortgages (ARMs)
  • Portfolio lender
  • Documentation is required

Use our How Much Can I Borrow calculator or Mortgage Comparison: 15 Yrs Vs. 30 Yrs calculator

Adjustable Rate Mortgages (ARMs)

Adjustable rate mortgages may assist you in qualifying for a more expensive home or reduce your monthly payments, helping with cash flow. All of our ARMs are available for non-owner occupied properties as well. 

  • Standard ARMs - Standard ARMs are available with your choice of adjustment period. The rate can adjust every six months or one year, with a rate adjustment cap and a lifetime cap. ARMs have lower rates than non-adjustable mortgages, making it easier to qualify.
  • Hybrid ARMs - Payments are non-adjustable for the first three, five, or seven years. Afterward, your loan converts to a standard ARM.
  • 5/5 ARMs - A lower-rate loan option providing flexibility for purchasing or refinancing a property. Save money with no closing costs, points, appraisal or title fees, and enjoy the flexibility of a low starting rate and loan amounts up to $1,000,000.00. Payments are non-adjustable for the first five years and adjust every five years thereafter.

Contact a Loan Officer Now

  • No closing costs1
  • Rate fixed for the first 5  or 7 years
  • Financing up to 95% LTV (LTV’s greater than 80% require Mortgage Insurance)
  • Offer good for a limited time and is valid for owner-occupied or second homes
  • Other restrictions apply, see below

Use our Adjustable Rate Mortgage Calculator

Fixed-Rate Mortgages

With a fixed-rate mortgage, your interest rate and monthly payment of principal and interest remain the same for the entire term of the loan.

  • Conventional or Jumbo Mortgages
  • 15/20/30-Year Terms Available
  • Purchase or Refinance
  • Primary Residence & Non-Owner Occupied

Contact a Loan Officer Now

80/10/10 Loan Program

Don't let a down payment keep you from your dream home. You can purchase a home with only 10% down payment.

  • 80% first mortgage, 10% second mortgage, 10% down payment
  • No PMI (Private Mortgage Insurance) so your monthly payment stays low
  • Fixed or adjustable rate
  • Owner occupied only
  • Purchase or refinance

Contact a Loan Officer Now

VA Loans

Specialized loans for a purchase, rate and term refinance, or a cash-out refinance. These loans are available to eligible members, including those who are retired military, discharged veterans, active duty military, or the un-remarried surviving spouse of a veteran.

  • Zero down payment purchases
  • 90% cash out refinances (use a cash-out refinance for home improvements, school tuition, debt consolidation, vacations, or other purchases)
  • Acceptable debt-to-income ratios higher than conventional loans
  • Fixed and adjustable rate mortgages (ARMs) available
  • No monthly mortgage insurance required
  • No prepayment penalty

Contact a Loan Officer Now

View Current Rates

Home Loan Resources

See our rates and terms for all home loans here.

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