Home Purchase & Refinance
The perfect home starts with the right loan.
Call us at 877.275.2228 for more information.
Membership is required prior to loan funding. To learn more about opening a membership.
First-time home buyer?
New to homeownership or haven't owned a home in the last three years? Our Smart Start loan is designed just for you. As The People In Your Corner, we offer low down payments starting at just 3.00%+, no PMI, and no extra fees.
Already have a purchase application in process? Check application status here.
Today's competitive mortgage rates
| Product | Interest Rate | APR* | Payment | Points |
|---|---|---|---|---|
| 30 Year Fixed | 7.375% | 7.529% | $1382 | 0.000 |
| 20 Year Fixed | 7.250% | 7.448% | $1581 | 0.000 |
| 15 Year Fixed | 6.875% | 7.118% | $1784 | 0.000 |
| 10 Year Fixed | 7.000% | 7.342% | $2323 | 0.000 |
| Jumbo 30 Year Fixed | 7.750% | 7.813% | $5966 | 0.000 |
| Jumbo 15 Year Fixed | 7.125% | 7.222% | $7544 | 0.000 |
| 5/1 Jumbo ARM | 6.750% | 6.809% | $5402 | 0.000 |
| 5/1 Conforming ARM | 6.625% | 6.775% | $1281 | 0.000 |
| 5/5 Smart Start | 7.000% | 7.150% | $1331 | 0.000 |
*APR = Annual Percentage Rate. Rates posted are indications only and are subject to change without notice. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. The quotes are based on a specific loan amount for the purchase of a single-family primary residence. Rates and payments shown are based on a loan amount of $200,000 with 25% down, an excellent credit score, and purchase of a primary residence.
**Jumbo products are based on a loan amount of $832,751 with 20% down, an excellent credit score, and purchase of a primary residence.
+Smart Start: A payment example for a 5-year Adjustable-Rate Mortgage (ARM) product with a 3.00% down payment. Loan Amount: $200,000; Initial Fixed Period: Interest is fixed for the first 5 years, then adjusts periodically. 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 MortgageMortgage options for every budget.
When it comes to mortgages, one size definitely does not fit all. At CCU, we offer competitive, flexible options like:
- Fixed & Adjustable Rates
- Fixed Rate Home Equity Loans
- Adjustable-Rate Home Equity Line of Credits
- Down payment options as low as 3.00% (for SmartStart and more)
- Jumbo loans up to $4,000,000
Home Loan Calculator
Calculate your monthly mortgage payment
$400,000.00
$80,000.00 (20.0%)
$12,000.00 (3.0%)
$1,200.00
$4,000.00
Monthly Payment
$0.00
Total Payment
$0.00
Total Interest
$0.00
Home RefinancingWhy Refinance?
Refinancing could lighten your financial load in several ways. With the equity you already have in your home and a good rate, you might be surprised what you can do.
Some Reasons to Refinance:
- Switch from an adjustable-rate loan to a fixed-rate mortgage
- Change from one adjustable-rate loan to another to lower your monthly payment
- Reduce your interest rate and your monthly payment
- Build equity faster by shortening the term of your loan to 15 or 20 years
- Free up funds for home improvements or debt consolidation
Membership is required prior to loan funding. To learn more about opening a membership, click here.
Mortgage Refinance Calculator
Interest Comparison
Payment Comparison
About Your Home
Original Mortgage
New Mortgage
Frequently Asked QuestionsHome Loan FAQs
What is PMI?
Who do I contact with questions on my First Mortgage?
Please contact us at 866.557.5659
How do I request a First Mortgage Payoff?
Related ProductsHome Equity Loans
Tap into your home's equity with a new HELOC and get a $250 bonus.
Real Estate Center
HomeAdvantageTM is a one-stop resource when it comes to real estate. Whether you're buying, selling, or borrowing, we can help.
Blogs & Related Information
Buy Now, Pay Later – Facts You Should Know
Buy Now, Pay Later is a short-term loan that allows you to divide payments for a particular item over weeks. There are financial risks involved.
How Healthy is Your Housing Budget?
What’s a healthy amount of your monthly budget to spend on housing? Here are some numbers and advice.
If you're buying a home, here are some simple definitions that can help you decode the home loan jargon you might encounter.
Bank anytime, anywhere.
Download the CCU mobile app for fast, secure access to your accounts, easy transfers, mobile check deposits and more.
