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Buy Now,
Refi Later

Buy The House You Want Now. Refinance Later and We'll Cover Costs up to $3,500*

Imagine finally owning your dream home. Whatever you want… a large first floor for family gatherings, a yard with plenty of room for play, a finished basement with bar or barbells – so you can chill out or work out. And we’ll be in your corner, helping to make it happen.

Ready to apply? Follow these 3 steps:

 Apply Now

Complete an application for a home loan. Our team will reach out to you shortly afterwards to schedule an appointment with a loan officer.


 Close Now

Our loan officers will work with you throughout the process to help you close on your dream home.

 Refinance Later

If rates drop within 36 months of your closing date, contact our team to have your refinance costs covered up to $3,500.

If rates go down, so can your payments! 

Apply Now for a Home Loan


Have questions? We're here for you!

*APR=Annual Percentage Rate. Your home loan is eligible for our “Buy Now, Refi Later” program if you closed a conventional (not government insured or guaranteed), first mortgage purchase-money home loan with CCU between June 1, 2023, and March 31, 2024, and the loan amount was not greater than the subject property’s conforming loan limit. To be eligible for a reduced fee refinance under this program, you must meet CCU’s eligibility requirements at the time of refinance, including but not limited to, minimum loan amount, minimum credit score, debt-to-income ratio, loan-to-value ratio, satisfactory mortgage payment history, and all other applicable mortgage guidelines. This is not a commitment to lend. Members must initiate the request for a reduced-fee refinance within 36 months of the CCU purchase money loans’ note date. Requests initiated after 36 months from the CCU purchase money note date will not be honored.  To initiate the request, one borrower from the purchase money CCU loan must ask a CCU Mortgage Loan Officer to start their reduced-fee refinance application. The request may be made verbally or in writing. This offer may only be used one time per property. The same person(s) who signed the loan documents for the original home loan must sign the refinance loan documents. CCU will cover lender administration fees and the following third-party fees, not to exceed $3500 in aggregate: appraisal, credit report, flood certificate, title insurance, settlement services, recording fee, notary fee. CCU will not cover discount points which can be used to buy down the interest rate, funds needed to set up an escrow account, prepaid interest, state or local taxes required to refinance, and accrued interest on the current mortgage.  Primary residence transactions only. Second homes and investment properties are ineligible. Rate and term refinances only. Cash-out refinances are not eligible. The CCU home loan used to purchase the property must be paid as agreed for a minimum of six months before the reduced fee refinance may close. The refinance must result in a tangible net benefit, including but not limited to a lower interest rate or lower monthly principal and interest payment. The LTV on the reduced-fee refinance must not exceed the LTV on the purchase transaction. The LTV will be calculated from the appraised value at the time of the refinance. If the CCU purchase money home loan has been refinanced with another financial institution, this offer is void. This offer is only available for properties located in Arizona, Florida, Georgia, Illinois, Indiana, Missouri, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin.