Mortgage solutions
Building, buying or refinancing? We have financing solutions all under one roof as well as the trusted advice available to you as a credit union member. Count on low rates; no points, or hidden fees; a quick application-approval process; and tax deductibility for most people (see your tax advisor for specific advice).Fixed-rate Mortgage
Lock in a competitive rate for the long term with a fixed-rate mortgage. Your rate will never rise. It can be the right choice if you expect long-term rates to remain relatively stable or rise.- Terms available of 10, 15, 20 and 30 years
Apply:
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Adjustable-rate Mortgage (ARM)
An ARM allows you to lock in a generally lower rate than a fixed-rate mortgage for a shorter period of time. The rate adjusts at the end of the term. It can be the right solution if you don't expect to live in your home for a long time, or you expect rates to go down—at which time you could refinance.- Terms available of 1/1, 3/1 and 5/1
(the first number being the number of years the rate is fixed, and the second number being the number of times the rate can change per year after the fixed-rate period)
Apply:
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First-Time Home Buyer Mortgage
If you're new to the home market, this mortgage may be just for you.- 30-year fixed mortgage (your rates will never go up) with a special 4.99% APR
- Monthly payments are $5.25 for each $1000 borrowed
- You must meet specific criteria to qualify
Apply:
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Home Equity Line of Credit
Access cash by tapping the value in your home. The amount you can borrow is determined by your home’s equity and your income. Borrow any amount up to your loan limit just by writing checks. Use the funds to build a home addition, pay college tuition, consolidate bills, take a vacation... any worthwhile purpose.- No application fees
- No closing costs for amounts over $25,000
- Flexible repayment terms up to 20 years
- Fast approval process
- Home appraisal fee may apply
- Interest may be tax deductible
Apply:
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Fixed Rate Home Equity Loan 1st Lien
Access cash by tapping the value in your home. The amount you can borrow is determined by your home’s equity and your income.- Terms available: 10 and 15 years
- Maximum amount $100,000
- Must be 1st lien
- Fast approval process
- Minimal closing costs
Apply:
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2nd Mortgage
If you need to raise cash for purposes such as home improvements or college tuition, a second mortgage enables you to borrow a set amount determined by the value of your home. The total amount is provided to you at one time and is then repaid in monthly installments.Apply:
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Construction Mortgage
If you're building your dream home, we can help right from the beginning.- For land purchase and home construction
- Pay only interest as you build (limited to 12 months)
- Roll into a regular mortgage with one-time qualification, one appraisal and one closing
Apply:
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1-4 Family Non-Owner Occupied Mortgage
If you're buying a rental property, we can help with special financing that is flexible and competitive.Apply:
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Fixed Rate Mortgage - Balloon Payment
Up to 30 years amortization fixed payment with a balloon payment after 120 months or 180 months. Terms available of 10 and 15 years.Apply:
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