Family hold Sold sign in front of new house.

First Mortgages

Personal Service from Start to Finish

Investing in home ownership is an important step for building a secure financial future, and buying a home should always be a positive experience. Because you are a Credit Union member, we can help you through the entire purchasing process and make sure you get the most for your money.

We have other Mortgage Options

Second Mortgages & HELOCs

* Products and pricing are subject to change at any time without notice.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Fixed Rate First Mortgage*

A fixed rate mortgage allows your interest rate to stay the same - and therefore your monthly principal and interest payment will stay the same as long as you have the loan.

Adjustable Rate First Mortgage*

An Adjustable-Rate Mortgage (ARM) is a loan that usually has a set, low fixed-interest rate for a certain period of time, like 3, 5, 7, 10 and 15 years. For the remainder of the home loan, the interest rate could adjust annually, depending on the market.

Jumbo Loan*

A Jumbo Loan is a mortgage used to finance properties that exceed the maximum conventional loan amount.

Refinance*

Refinancing means paying off your existing mortgage with a new one, usually with a lower rate and/or shorter term.

Mortgage FAQs

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Financial Calculators

We offer a suite of online calculators to help you take the next step.

Calculators

Our Mortgage Team

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7, 10, 15, 20, 25 or 30 year fixed terms
Purchase or refinance primary residences and second homes
Low origination fees
No prepayment penalty

Fixed Rate mortgage Loans are great because:

You can easily budget monthly expenses
Protected from possibility of rising interest rates
Plan to stay in your home for many years

3, 5, 7, 10 and 15 year fixed period
No prepayment penalty
Primary residences and second/vacation homes

A good option if:

Lower rates and payments early in the loan term
An affordable option for borrowers that do not plan on staying in the home for a long period
Want to pay off your home in a shorter time frame

Loans for properties over $766,550
Purchase or refinance primary residences, second homes
Fixed-Rate Loan terms are 10 and 15
Adjustable-Rate Loan terms are 3/1, 5/1, 7/1, 10/1, 5/5, 10/5, and 15/5
No prepayment penalty
Low origination fees

Good For:

Borrowers interested in purchasing more expensive properties,
Lower debt-to-income ratios
Members who can afford a larger down payment of a minimum 10% of purchase price

7, 10, 15, 20, 25 or 30 year fixed terms
Refinance primary residences and second homes
No prepayment penalty
Low origination fees

Consider refinancing if:

If it is time to switch from an adjustable to a fixed rate loan
Interest rates have dropped and you have an opportunity to lower your rate