We'll Help You Get Moving
1st home, larger dream home, vacation cabin, vacant land...You're ready to put down roots, personalize your living space, and make lasting memories. Trust our home loan experts to walk you through the mortgage process from beginning to end, working with your schedule to help you reach closing day free of stress.
- Competitive rates and low closing costs
- Mortgage options for every life stage
Free Pre-Qualification
A Home Loan Pre-Qualification has become a crucial first step in buying a home. It’s an easy way for you to find out if you will qualify, the loan amount you could qualify for, and an estimate of the monthly payments. Our Lending Team is here to help you every step of the way!
Fixed Rate Conventional Mortgage Loans
Choose a fixed-rate mortgage when you plan to stay in your home for a long term. The interest rate is locked in for the term of your loan. The longer the term, the smaller your monthly payments.
- Terms from 10-30 years to fit your budget
- Principal and Interest payments are fixed
The Power of a HELOC
A HELOC (Home Equity Line of Credit) can be an easy, low-cost source of funds for large expenses such as making home repairs, remodeling, buying a car, starting a business, taking a dream vacation, and more. This could be the last loan you ever need - apply once, then use it over and over and over again.
- Borrow against your home’s equity
- Revolving credit: Use it and pay it back as you go
- Only pay interest on the amount you use
- Interest may be tax-deductible (consult your tax advisor)
Additional Loan Options
Peace of mind, low closing costs, and flexible payment options. The VA Loan (Veterans Assistance) program requires no down payment, is backed by the government, and has high-mortgage-qualifying flexibility. Contact a 1st CCU Mortgage Loan Officer for more details and to find out if you qualify.
1st CCU can assist in obtaining the Certificate of Eligibility.
100% financing of the purchase price. Additional closing costs may apply.
A USDA Rural Development Home Loan is offered by the US Department of Agriculture to home buyers in less densely populated areas of the country (properties must be eligible per USDA). Eligibility is determined by home location, income level, and other requirements. Contact a 1st CCU Mortgage Loan Officer for more details and to find out if you qualify.
100% financing of the purchase price. Additional closing costs may apply.
You've got the plans, and we've got the great rates. Building your dream home can be easy and affordable!
- Flexible down payment options available
- Convenient 11-month term
- Up to 5 easy draws to fit your needs
- No private mortgage insurance needed
- Easily convert to Fixed Rate Mortgage when construction is complete
* Additional closing costs may apply. No prepayment penalty. Contact a loan officer for full details. If you are purchasing a semi-developed lot or raw land you may be asked to provide one or more of the following for your loan file: soil and site evaluation, septic design and sanitary permit, zoning information, building permit (if applicable), driveway permit (if applicable), well permit (if applicable).
It's all about location, location, location! When you've found the perfect spot, let us provide the financing to secure it for your future plans.
- Fixed rate, no balloon
- Residential lots for building
- Hobby farm for raising small livestock and growing crops that are not used to provide an income
- Recreational land for hunting
- No acreage limitations
- No private mortgage insurance needed
- See our Mortgage Experts for full details
A Second Mortgage loan gives you the freedom and flexibility to access your home's equity for making improvements, making major purchases, and more.
- Fixed Rate Loan*
- Borrow against your home’s equity
- Fees can be added to the loan
- No prepayment penalty
- Use the funds for just about anything: Home improvements, repairs, debt consolidation, buying a new auto or recreational vehicle, taking a dream vacation, landscaping, pool, starting a business and more!
- Interest may be tax-deductible (consult your tax advisor)
Contact 1st CCU for details, qualifications and requirements
Apply Now
*fixed rate for a period of months, then it balloons
1st Community Credit Union can assist you in financing an affordable alternative to home ownership with a Mobile Home loan.
- On Land or in Mobile Home Parks
- New or Used
- Single-wide or Double-wide
- Affordable fixed rates*
- Down payment required
*Rate is fixed but the term contains a balloon
What Our Members Are Saying
Disclosures:
Rates, terms and conditions subject to change and may vary based on creditworthiness, conditions and qualifications. All loans subject to credit approval. Membership eligibility and some restrictions apply. In the case of $0-down payment programs, loans are also subject to program qualifications. See a lender for details. NMLS 411004. Property insurance required on some loans.
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