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Buying a new home? Refinancing your current home? Need to make a few repairs or upgrades? My Credit Union has the real estate loan to suit your needs.

First Mortgage Loans
My CU offers fixed and variable rate mortgage loans, all with competitive rates and terms to fit your financing needs. Whether you need to purchase a home, refinance your current home, or obtain a pre-approval we can help! If you are ready to finance, visit our Home Loan Center partner today.

Second Mortages Loans: Home Equity Loan or Line of Credit?
Home Equity loans allow you to borrow against the equity in your home and use the funds for any purpose--finance your child’s education, for home improvement projects, for emergency funds, or to take a dream vacation! Here’s the difference between the two:

A Home Equity Line of Credit has a variable interest rate that's just half a point above the Wall Street Journal (WSJ) Prime rate. Upon approval, a line of credit is approved and funds can be accessed, as you need them. You pay nothing until you actually use your line of credit and the interest may also be tax deductible (consult a tax advisor for details). Choose this product if you want the money available to meet future needs.

A Home Equity Loan has a fixed interest rate that's guaranteed for the life of the loan. There are no loan fees, no annual fees, no prepayment penalty, and no closing costs. Funds are disbursed in one lump sum upon credit approval. The interest may also be tax deductible (consult a tax advisor for details). Choose this product if you want the security of a fixed interest rate loan with a regular monthly payment.

   


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