Home Purchase & Refinance
The perfect home starts with the right loan.
Purchase
Refinance
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 | Rate | APR* | Payment | Points |
|---|---|---|---|---|
| 30 Year Fixed | 6.750% | 6.898% | $1298 | 0.000 |
| 20 Year Fixed | 6.625% | 6.818% | $1506 | 0.000 |
| 15 Year Fixed | 5.500% | 5.733% | $1635 | 0.000 |
| 10 Year Fixed | 5.500% | 6.084% | $2196 | 0.000 |
| Jumbo 30 Year Fixed | 6.750% | 6.811% | $5231 | 0.000 |
| Jumbo 15 Year Fixed | 5.500% | 5.596% | $6590 | 0.000 |
| 5/1 Jumbo ARM | 6.250% | 6.309% | $4966 | 0.000 |
| 5/1 Conforming ARM | 6.125% | 6.268% | $1216 | 0.000 |
| 5/5 Smart Start | 6.500% | 6.646% | $1265 | 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 $806,501 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. Purchase Price: 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.
^15-Year Fixed Rates are available for a limited time, and subject to change without notice. All loans are subject to credit approval, membership eligibility, and underwriting guidelines. The advertised rate applies to owner-occupied properties and assumes excellent credit, a qualifying loan-to-value (LTV) ratio, and other eligibility factors. Additional terms, conditions, and restrictions may apply. Contact us for full details. Payment Example: A $200,000 loan with 25% down at a 5.99% APR on a 15-year fixed mortgage would result in a monthly principal and interest payment of approximately $1,318.57. This does not include taxes and insurance, which will increase the total payment.
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%
- Jumbo loans up to $4,000,000
Home RefinancingWhy Refinance?
Refinancing could lighten your financial load in a 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.
Frequently Asked QuestionsHome Loan FAQs
What is PMI?
Mortgage Payoff Information
How do I request a Mortgage Payoff?
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