Mortgages

Affordable Loans from a Source You can Trust - Whether you are buying or refinancing your home, the credit union can help you sort through your options.

- Pre-Approved Mortgages	- Balloon Mortgages
- FHA & VA Mortgage Loans	- 10 to 30-Year Terms
- Conventional Mortgages	- Low, Fixed Rates

Your interest rate will be determined by a number of factors including your credit history, the term of the loan, and the value of the property in relationship to the amount you want to borrow.  We encourage our members to get pre-qualified before they begin house shopping. 

Up to 80% Loan-to-Value	AS LOW AS*
5 year or 5 year balloon/30 year term	4.00% APR
7 year or 7 year balloon/30 year term	4.00% APR
10 year or 10 year balloon/30 year term	4.125% APR
15 year or 15 year balloon/30 year term	4.25% APR
20 year term	4.75% APR

Mortgage applications for our members are processed by our lending partner, Steve Hoeferle.  This one application can provide you with a variety of loan options.   There is no cost for you to apply.  You can contact Steve directly at (866) 776-2915, ext. 103, or contact us to arrange for your application or for additional information. *Rates current as of April 1st, 2010; subject to change at any time.

Click here  for Monthly Mortgage Payment calculator

Fixed or Adjustable Rate Mortgage? Click here  for calculator

Home Equity Loans

If you already own your home, you have an excellent borrowing tool.  The equity you have built up in your home can supply you with the cash you need for just about anything and the interest you pay on the loan may be tax-deductible. Planning to use your Home Equity Loan to make energy-efficient home improvements?  To learn more visit Alliance to Save Energy at ase.org or the Energy Star web site to see if your expenditures qualify for Federal tax credits.

Fixed-Rate Second Mortgage - Borrow and enjoy terms up to 10 years. You'll appreciate knowing exactly how much your payment will be each month.  Apply Now

Home Equity Line-of-Credit - This variable-rate loan affords you the flexibility of having money available when you need it. Establish a line of credit from $5,000 to $100,000 and draw upon it as needed in $100 increments. Your monthly payment is based on the outstanding balance of the loan.  Contact us to begin your line-of-credit application.