Home Loans

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30-Year First Time Homebuyers Get Rate
15-Year First Time Homebuyers Get Rate

All rates are subject to change without notice.

* Your APR will vary based on your final loan amount, credit history, loan to value, margin, and finance charges.

Quote is based on a minimum credit score of 680 and loan amount of $100,000 at 80% LTV

Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Please note that the interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.

NMLS#761805

Your savings federally insured to at least $250,000 and backed by the full faith of the United States Government. NCUA, National Credit Union Administration, a U.S. Government Agency. Equal Housing Opportunity Lender.

Step into your dream home.

Whether you’re looking to buy your first home, refinance an existing mortgage or tap into your home’s existing equity, our home loan solutions can help you achieve your goals.

As a Credit Union member, you have access to competitive rates on mortgages to purchase a new home or refinance your existing home.

You can apply now in as little as 20 minutes. Once completed, your application will be reviewed for approval.

If you’d like to learn more about any of our real estate loans, contact us. There is no obligation. Just your opportunity to make sure your current mortgage makes sense and to see if we can save you money with our low cost APCO loans.

First Time Home Buyers

Purchasing your first home is a huge milestone. Our mortgage experts can guide you through the process at no cost or obligation.

  • Loans available at up to 95% of the purchase price.
  • We only require 5% down which gives you room in your budget to make home improvements, buy furniture, or to otherwise invest your money.
  • No PMI (private mortgage insurance). PMI is an insurance product that is paid by the member/borrower that protects the lender/credit union in case there is a default on the loan. There is NO benefit to the member/borrower for this expense. By waiving this requirement it allows for a lower monthly payment.
  • Pre-approval within 48 hours of submission of a completed online application. The pre-approval will aid you in your negotiations of your purchase by showing the seller you have funds secured to support your offer.

We’re here to help. Our goal is to provide the highest level of service at competitive rates. Contact a Loan Officer at 205-226-6800.