Mortgage Loans

Rates to help you make your dream home a reality.

Mortgage Rates Have Dropped!

Take advantage of our highly competitive recent mortgage rates. Apply today to lock in a rate that will allow you to take the next step on your home-buying journey.

Apply Now

 

Credit Union 1 offers a wide selection of mortgage loan programs to help you find a payment that fits your budget and achieve your unique financial goals.

Whether you are exploring a mortgage for a home purchase or refinancing an existing mortgage, our Real Estate Specialists will walk you through CU1’s streamlined home loan process to ensure that your mortgage is closed quickly and efficiently.

 

Mortgage Features:

  • Highly Competitive Interest Rates
  • Fast Turn Times
  • Low Down Payment Options on Purchase Transactions
  • Purchase and Refinance Loan Options
  • Fast and Easy Digital Mortgage Application

 

What’s Your Home Buying Budget?

Credit Union 1 has two options to help you explore how a mortgage would fit into your finances. Get a personalized quote by submitting a simple form online. A CU1 team member will get back to you with a snapshot of what a mortgage or refinance might look like for you.

Or, use our Mortgage Calculator to get an estimate of how much your monthly mortgage payment could be, based on your home’s purchase price and the terms of your loan. This calculator is for general education purposes only and is not an illustration of current Credit Union 1 products and offers.

Get Personalized Quote      Mortgage Calculator

What Are Mortgage Points?

 

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Home Purchase

Apply Online

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Home Refinance

Apply Online

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Cash-Out Refinance

Apply Online

 

Mortgage Loan Originators

 

Downpayment Plus® Program

Through the Downpayment Plus Program*, up to $10,000 may be available to eligible homebuyers to use towards down payment and closing costs.

Learn More   

Fixed Rate Mortgage

With a Fixed Rate Mortgage, your rate will stay the same throughout the term of the loan.

  • Payments remain the same for the life of the loan
  • Protection from rising interest rates
  • Available in a variety of terms

Apply Online  

FHA

An FHA Loan can help make home ownership possible.

  • Financing up to 96.5% of the home’s value
  • Flexible Qualification Requirements
  • Low Fixed Rate

Apply Online  

VA

Credit Union 1 is proud to offer a special mortgage option for military families.

  • Financing up to 100% of the home’s value
  • No Private Mortgage Insurance (PMI)
  • Available to qualified veterans and their eligible family members

Apply Online  

Adjustable Rate Mortgage (ARM)

Credit Union 1’s Adjustable Rate Mortgage is perfect for purchasers with short-term mortgage goals.

  • Low Introductory Rate
  • Various programs available to meet your life needs
  • Includes low Interest Rate Cap

Apply Online  

TruStage Insurance Agency. Home insurance savings for hard working people.

 

Apply for a Loan in Minutes

Online

A simple, self-service option to open your Mortgage Loan at your convenience.

Apply Online

In Person

Our CU1 team members would be happy to assist you with a loan application and more at the branch closest to you.

Schedule an Appointment

or Find a Location

Over the Phone

Our Member Solutions Specialists are available by phone Monday through Friday, 9:00 am – 6:00 pm CST, and Saturday, 9:00 am – 1:00 pm CST.

Call 800.252.6950

Download the CU1 App today!

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NMLS# 384759. APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. There is a minimum 1st Mortgage Loan amount of $50,000. Jumbo Loans have a minimum loan amount of $726,201. We conduct business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Message and data rates may apply. Check with your mobile carrier for details.

 

Credit Union 1 is celebrating 65 years of helping individuals, families and communities reach their financial goals.
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