Mortgage Loans

Mortgage Loans

FICO® Credit Scores

Mortgage Loans

Owning a home is the American dream, so we’ve partnered with the credit union-owned Community Mortgage Funding (CMF) to offer a variety of home loan options to fit your unique needs. Plus, get pre-approved online!

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Mortgage Loans

We understand that purchasing a home is one of the biggest financial decisions you'll ever make. That's why we're dedicated to providing the resources and support you need to navigate the mortgage process.

  • Loan options may include VA, USDA, Conventional, FHA, High Balance, Jumbo, Reverse mortgage, and First-time homebuyer.
  • Find a licensed agent, review listings, and earn rebates on your closing costs with the CMF Home Rewards Program.
  • Competitive rates and flexible terms
  • Easy online application process
  • Get personalized rates and quotes online

Rates

Loan Type
Term (Months)
APR*
Notes
Account Type
Dividend Rate
APY*
Account Type
Terms (Years)
APR* as low as
Notes
30 Year Conventional
Term (Months)
10, 15, 20, 30
APR*
7.043%
-
7.312%
Notes

See Note 1

30 Year Conventional
Term (Months)
10, 15, 20, 30
APR* as low as
7.043%
-
7.312%
Notes

See Note 1

30 Year Conventional
Term (Months)
APY*
7.043%
-
7.312%
VA
Term (Months)
30
APR*
7.252%
-
Notes

See Note 2

VA
Term (Months)
30
APR* as low as
7.252%
-
Notes

See Note 2

VA
Term (Months)
APY*
7.252%
-
FHA
Term (Months)
30
APR*
7.850%
-
Notes

See Note 3

FHA
Term (Months)
30
APR* as low as
7.850%
-
Notes

See Note 3

FHA
Term (Months)
APY*
7.850%
-
USDA
Term (Months)
30
APR*
7.312%
-
Notes

See Note 4

USDA
Term (Months)
30
APR* as low as
7.312%
-
Notes

See Note 4

USDA
Term (Months)
APY*
7.312%
-

*APR = Annual Percentage Rate

1Conventional Disclaimer

55-day rate lock. Example requires 80% loan-to-value (LTV) with tax and insurance impounds and a minimum 740 FICO score. The payment example does not include any amounts due for prepaid interest, taxes, insurance premiums, or homeowner association dues; if applicable your payment will be greater. Private Mortgage Insurance (PMI) is required for down payments of less than 20%. This is not a guarantee to lend at a given APR. Rates and Terms are subject to change. Other restrictions may apply. The actual rate will be determined after receipt of the completed application and prior to the execution of loan documents. Rate lock may not be available until final loan approval. All loans are subject to credit approval.

Example payments:

30: On a typical $100,000 loan, there would be 360 payments of $408.24
20: On a typical $100,000 loan, there would be 240 payments of $723.66
15: On a typical $100,000 loan, there would be 180 payments of $823.73
10: On a typical $100,000 loan, there would be 120 payments of $1091.47

2VA Disclaimer

VA day rate lock. Example requires 100% loan-to-value (LTV) with tax and insurance impounds and a minimum 740 FICO score. The payment example does not include any amounts due for prepaid interest, taxes, insurance premiums, or homeowner association dues; if applicable your payment will be greater. VA Funding Fee is required for VA loans. however, veterans are exempt from paying a VA Funding Fee if they’re entitled to receive VA disability compensation. This is not a guarantee to lend at a given APR. Rates and Terms are subject to change. Other restrictions may apply. The actual rate will be determined after receipt of the completed application and prior to the execution of loan documents. Rate lock may not be available until final loan approval. All loans are subject to credit approval.

Example payments:

30: On a typical $100,000 loan, there would be 360 payments of $552.20. 

3FHA Disclaimer

FHA day rate lock. Example requires 96.5% loan-to-value (LTV) with tax and insurance impounds and a minimum 740 FICO score. The payment example does not include any amounts due for prepaid interest, taxes, insurance premiums, or homeowner association dues; if applicable your payment will be greater. FHA Up Front Mortgage Insurance and Annual Mortgage Insurance are required for all FHA loans. This is not a guarantee to lend at a given APR. Rates and Terms are subject to change. Other restrictions may apply. The actual rate will be determined after receipt of a completed application and prior to the execution of loan documents. Rate lock may not be available until final loan approval. All loans are subject to credit approval.

Example payments:

20: On a typical $100,000 loan, there would be 240 payments of $604.90.

4USDA Disclaimer

USDA day rate lock. Example requires 100% loan-to-value (LTV) with tax and insurance impounds and a minimum 740 FICO score. The payment example does not include any amounts due for prepaid interest, taxes, insurance premiums, or homeowner association dues; if applicable your payment will be greater. USDA Up Front and Annual  Fee is required. This is not a guarantee to lend at a given APR. Rates and Terms are subject to change. Other restrictions may apply. The actual rate will be determined after receipt of a completed application and prior to the execution of loan documents. Rate lock may not be available until final loan approval. All loans are subject to credit approval.

Example Payments:

30: On a typical $100,000 loan, there would be 360 monthly payments of $607.61.