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Purchase
Buying a home has never been easier. We've streamlined and updated the entire mortgage process for you.
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Refinance
Refinancing can be a helpful tool for home improvement, debt consolidation or simply lowering your monthly payment.
Refinance Information >Home Equity
Put your home's equity to work with great rates and flexible terms using a home equity loan or line of credit.
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Smart Start
If you’re new to the home-buying scene or it’s been at least three years since you’ve owned a home, CCU has the perfect loan for you: Smart Start! As The People In Your CornerTM, we’re offering this special home loan that offers a downpayment as low as 3.00%**, no PMI required, and no extra charge even if your credit score is less than perfect.
Mortgage options to meet all your needs.
When it comes to mortgage loans, one size does definitely NOT fit all. As the people in your corner, we offer choices like:
- Fixed & Adjustable Rates
- Fixed Rate Home Equity Loans
- Adjustable Rate Home Equity Line of Credits
- Down payment options as low as 3%
- Jumbo loans up to $4,000,000
*APR=Annual Percentage Rate.
**A payment example for a 5-year Adjustable-Rate Mortgage (ARM) product with a 3.oo% down payment.
Purchase Price: $206,200
Loan Amount: $200,000
Interest Rate: 7.25%
Annual Percentage Rate: 7.40% APR
Initial Fixed Period: Interest is fixed for the first 5 years, then adjusts periodically. This will result in 60 monthly principal and interest payments of $1,365. Please note that these payments do not include taxes or insurance. Actual payments may be higher.
This example is for illustrative purposes only and assumes a FICO score of 620 with 0 points. Actual terms may vary.
HOME MORTGAGE DISCLOSURE ACT NOTICE
The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of this data, send a written request to 300 N Field Dr, Lake Forest, IL 60045. Attn: Manager of Mortgage Operations.
Consumers Mortgages NMLS#692733