Home Mortgages

Conventional Mortgage Loans

• Ideal for home purchases and mortgage refinances
• Lock in your rate for four months while you shop
• Fixed-rate mortgages available in terms of 10, 15, 20 and 30 years*
• As little as 3% down
• Budgeting certainty comes from a home loan whose rate is fixed for the term
• Adjustable-rate mortgages (ARMs) amortized for 30 years offer an initial fixed rate in periods of 3, 5, 7 and 10 years

Jumbo Mortgage Loans

• Ideal for purchases or refinances up to $750,000
• Borrow up to 80% of your home’s value
• Lock in your rate for four months while you shop
• Choose from a fixed rate 10-, 15- or 20-year term or a 5/1 adjustable rate mortgage*
• Receive personalized service from a dedicated Mortgage Consultant

FHA Loans

• Offers lower down payments
• Down payment can include the use of gift funds
• Competitive interest rates
• Competitive closing costs
• More flexible credit and income guidelines
• Choose from a fixed rate 15- or 30-year term mortgage*

VA Loans

• Less strict credit requirements than a conventional mortgage
• Low or no down payment options available
• No requirement for mortgage insurance
• Fixed and adjustable rates available

Save $1K Mortgage Loans

Let Credit Union ONE help you save on your mortgage closings costs with our Save $1K Mortgage.
 

• Receive a $1,000 credit on closing costs*
• Purchase a home with as low as a 3% down payment
• A variety of terms so you can choose the options that fit your specific needs
• Fixed and adjustable rates available

First Time Home Buyer Loans

If you looking at purchasing your first home, our First Time Home Buyer Program may be the perfect option to carry you through the process with special features and benefits.
 

• No Private Mortgage Insurance (PMI) required
• Purchase with as little as a 5% down payment
• Lock in your home loan rate for four months while you shop