Mortgage Refinance


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Mortgage Refinancing, Designed With YOU in Mind.

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Home Refinance

Apply Online

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Cash-Out Refinance

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Home Purchase

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or Call a Real Estate Specialist at 800.252.6950


No Closing Cost Option

Bring less money to closing

Our No Closing Cost Option1 greatly reduces the amount of money
you need to bring to the closing. Your interest rate will be slightly
higher, but there is no prepayment penalty or hidden restrictions.
This option is available for both purchase and refinance mortgage loans. 

Let us know during the mortgage application process that you are
interested in taking advantage of our No Closing Cost Option.



Calculate Your Mortgage Options

Find out 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 Calculator      Request Rate Quote

Mortgage Loan Originators


You could lower your monthly payments by refinancing your mortgage to a lower rate. CU1 offers great rates and a wide selection of Home Refinancing programs so you can find a payment that fits your budget.

Cash-Out Refinance | Tap into the equity in your home to pay for renovations, large expenses and more.

Refinance | Refinance to lower your rate or pay off your loan faster with a shorter term.

Mortgage Features:

Jumbo Mortgage Expand/Colapse

When home prices scale up, so does your buying power with a Credit Union 1 Jumbo Mortgage Loan.

  • Financing available up to $2 million
  • Competitive Fixed & Adjustable Rate programs available
  • Limited to no down payment options available

 Apply Online

Fixed Rate Mortgage Expand/Colapse

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 Expand/Colapse

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 Expand/Colapse

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) Expand/Colapse

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



Apply Today


Apply for a loan in a way that works best for you.

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Apply in person

Find a Location

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Apply over the phone

Call 800.252.6950


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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 $647,200. 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.

1No Closing Cost offer is available for owner occupied primary residential purchases and refinances. Subject to approval. You still need to make any down payment and pay reserves applicable. CU1 will pay closing costs including but not limited to: lender's title insurance, title services, appraisal, tax service, credit report, flood certification, and recording fees. Paid closing costs do not include: prepaid interest, rate lock extension, rate relock, rate float down, homeowners insurance, initial escrow deposit, owner's title insurance, or city and/or county transfer tax. If the loan is paid off in 6 months of origination a prorated amount of closing costs will be added to the loan payoff amount.

2The rebate offer is not available where prohibited by state law or in states where this program is not available. Transactions in Alaska and Oklahoma are not eligible for a cashback rebate through this program. In Kansas and Tennessee, you may only receive a gift card. In Mississippi, New Jersey, and Oregon, you may receive a commission credit or seller credit at closing. This program is not available in Iowa or outside the United States.

3The agent matching service is provided by Blend Realty, a real estate brokerage specializing in home-buying services. Blend Realty and its agents are not affiliated with Credit Union 1.

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