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Purchase A Home*

A full line of mortgage products
Advice from trusted mortgage professionals

FHA Approved Lender

Purchase

  • As little as 3.5% down (can be gifted- restrictions apply- call for details)
  • Up to 6% seller contributions
  • Non-occupant co-borrowers allowed (restrictions apply- call for details)

Refinance

  • 98.25% financing Rate & Term
  • Cash out available (up to 85% -FHA financing)

Conventional Loans

  • Fixed rates
  • Flexible rates
  • Up to 90% financing (primary residence)
  • Investment property (up to 80% financing)
  • Interest-only (just pay interest on funds you borrow)
  • Excellent Jumbo Loan products
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Refinance A Home

Assistance with a rapidly adjusting mortgage
A full line of mortgage products
Advice from trusted mortgage professionals

Fixed Rate Loans

  • Flexible rates
  • Lower monthly payment
  • Investment property
  • Cash-out available
  • Excellent Jumbo Loan products

Adjustable Rate Loans

  • Lower monthly payment
  • Flexible terms
  • Excellent Jumbo Loan products
  • Cash-out available
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Home Equity Loan

No fees or closing costs* (up to $100,000)

  • Make home improvements or consolidate debt
  • Fixed rate
  • Up to 95% of home value

Home Equity Line of Credit available

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Green Advantage Mortgage

Our Energy Efficient Mortgages allow:

  • Borrowers to receive a reduced interest rate of 0.25% APR†
  • Energy improvements to be financed
  • Borrowers to qualify for larger mortgages
  • Monthly energy savings to be added to borrower income in the debt ratio calculations
  • The Energy Savings Value (ESV) to be added to the home�s appraised value or purchase price
  • Available for purchases and refinances
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* APR = Annual Percentage Rate. Does not apply to home equity lines of credit (HELOCs). Rate is for the life of the loan. Terms are 5, 15 and 20 years. Minimum loan amount is $10,000. If loan is paid in full within one year of the date of the loan, a pre-payment penalty up to $1,000 may apply. Home Equity Loan payment example: $60,000 borrowed for a 5-year term at 5.00% APR, sample monthly payment would equal $1,132.28.

** No closing costs for loans up to $100,000. For loans over $100,000, the estimated fees and costs to open the loan are between $1000 and $2500. Title insurance is required to be paid by borrower on home equity loans and HELOCs greater than $100,000. Property insurance is required, and flood insurance may be required depending upon the location of the property. The amount of a home equity loan is based upon the current market value of the property, minus the amount of any current mortgages and other liens on the property. Please consult your tax advisor and IRS Publication 936 (Home Mortgage Interest Deduction) regarding interest deductibility. Our current HELOC APR ranges between 4.75% APR and 17.9% APR depending on creditworthiness criteria and the HELOC type selected. HELOCs have a variable APR; the maximum HELOC APR is 17.9%. All rates and terms are subject to change without notice; please contact the Credit Union for current rates and terms. Credit subject to approval. Other restrictions may apply. A home equity loan is secured by a lien on your home. Full appraisal, paid by applicant, may be required in certain circumstances.

† APR = Annual Percentage Rate. This product is designed for the purchase and limited cash-out refinance of new construction or existing residential properties. These homes must be built to the standards of the National Home Energy Rating Standards (HERS). All requirements of the standard checklist must be met and a HERS Index of 85 or better must be obtained in accordance with the Energy Star Performance Requirements. This loan applies to one-unit, owner-occupied primary residence; fixed rate mortgages that have a term of 30 years and do not include interest-only option; maximum loan-to-value/combined-loan-to-value 95%. Energy efficient mortgage loan payment example: $200,000 borrowed for a 30-year term at 6.50% APR, sample monthly payment would equal $1,264.14. Appraisal may be required and fee is the responsibility of member.