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Need Assistance (800) 252-6950

Mortgage Loans Home Financing, Built Around You

If you're looking to buy a home or are thinking about refinancing, our Real Estate Specialists will guide you through CU1’s streamlined home loan process. We’ll take the time to understand your goals and help match you with the mortgage option that fits your needs — so you can move forward with confidence and close quickly.

Home Loans
Home Buying Budget

What’s Your Home Buying Budget?

 

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.

Mortgage Loan Options & Rates

 

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 term

No Down Payment Mortgage

Requiring 0% down, a no down payment mortgage1 can make home ownership a reality with fewer upfront costs.

  • Conventional Loan
  • No Income or Location Restrictions
  • Financing up to 100% of the home's value

FHA

An FHA Loan can help make home ownership possible.

  • Flexible Qualification Requirements
  • Options for limited credit history
  • Low Fixed Rate

VA

CU1 is proud to offer a special mortgage option for military families.

  • Flexible Qualification Requirements
  • No Private Mortgage Insurance (PMI)
  • Available to qualified veterans and their eligible family members

Adjustable Rate Mortgage (ARM)

The 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

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

Apply for a Mortgage today through CU1’s Virtual application or by calling (800) 401-6979.

 

Manage Your Mortgage Application with the App

 

Stay connected to your home loan progress anytime with Credit Union 1’s Home Loan App. After creating an account and logging in, you can track your application status, see outstanding tasks, receive loan notifications or updates, and know right away if any documents are needed. Easily upload requested documents directly through the app to keep everything moving forward.

Download the CU1 Home Loan App Today

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Mortgage Loan Originators

Grace Gumila-Cruz

Mortgage Loan Originator
NMLS #: 308940
(630) 413-0148
Email Me

Violet Laurel

Mortgage Loan Originator
NMLS#: 1741376
(725) 315-5807
Email Me

Mercedes Gutierrez

Mercedes Gutierrez

Mortgage Loan Originator
NMLS#: 2706394
(630) 242-5441
Email Me

Danny Anders

Mortgage Loan Originator
NMLS#: 83715
(901) 563-7222
Email Me

1 Stop Financial Learning

Good financial health is a journey, with lots of learning along the way. Whether you are signing up for your first checking account or planning for retirement, Credit Union 1 wants to pass along our knowledge. Because our first love is banking, and our first priority is helping you achieve your goals.

What You Need to Know as a First-Time Home Buyer

Buying a home is one of the most significant financial transactions you will make in your lifetime. While preparing to purchase a house is exciting, it’s understandable to feel a bit overwhelmed (especially as a first-time buyer).

Read More

How Much Money Will You Need to Put Down on a House?

One of the top priorities when buying a house is having enough cash on hand to meet the down payment requirement. Understanding how down payments work can help a future homebuyer be as prepared as possible.

Read More

What Are Mortgage Points?

The mortgage process has a lot of options for every kind of homeowner, like buying mortgage points. Mortgage points, or discount points, are fees that a homebuyer can pay to their lender in exchange for a reduced interest rate. So, how do mortgage points work, and how can they help someone looking to buy a property?

Read More
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Credit Union 1 is celebrating 67 years of helping individuals, families and communities reach their financial goals. Learn More

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