Our mortgages are designed to suit your needs, whether you’re a first-time home buyer or you're refinancing your existing home for a better rate.
Take advantage of our 5-minute mortgage review to see if you're getting the most out of your home! Learn more
Our lending experts stay with you from the beginning to the end of your real estate journey, so you can count on the personalized service you need to
provide a smooth, easy experience.
Mortgage options to fit your lifestyle
With a fixed-rate mortgage from CAFCU, your interest rate won't change over the life of your mortgage, meaning your principal and interest payments will remain constant. If
interest rates rise, you won't be affected.
Refinancing a mortgage from another financial institution can possibly lower your monthly payments, allowing you to pay off your loan faster. Many people refinance
to convert an adjustable-rate mortgage to a fixed-rate loan. When you refinance, you also have the option to use the equity in your home to consolidate debt or pay for education, vacations, home improvements, and much more.Fresh Start Mortgages:
a less-than-perfect credit score is blocking you from the dream of homeownership, our Fresh Start Mortgage can help. This loan is designed to help CAFCU members with credit challenges get the financing they need for a home purchase. CAFCU's Fresh Start Mortgage can also
be used to refinance a high-rate mortgage at a lower rate with our affordable alternative financing options.
Not sure which mortgage option makes the most sense for you? Contact our Real Estate lending experts at 1-800-359-1939, option 2.
For more information or questions connect with us:
If you are thinking about getting a mortgage with CAFCU...
Why should I consider getting pre-approved before buying a home?
What are your current mortgage rates?
How are mortgage interest rates determined?
Can I be notified when mortgage/refinance rates are updated?
How do I apply for a mortgage?
Do I have to be a CAFCU member to apply for a real estate loan?
How long does the loan process take once the application has been completed?
Do you have any deals for first-time homebuyers?
What is the minimum down payment you require for a mortgage loan?
What are the closing costs for my mortgage?
Do you offer escrows?
What is a mortgagee clause and what is CAFCU's?
Do you offer investment property financing?
Do you offer VA or FHA financing?
Do you offer vacant land financing?
Do you offer construction loan financing?
Will you keep my mortgage in-house or will it be sold to another lender?
If you currently have a mortgage with CAFCU...
How are my property taxes paid?
When will you send my 1098 tax form?
How can I request a payoff letter?