Our mortgages are designed to suit your needs, whether you’re in the market for a first home, a place to raise your growing family or a vacation property. Our mortgage experts do not work on commission, so you can be sure that we are dedicated to finding the right mortgage to fit your needs.
Here are the mortgages we offer and the advantages of each:
Fixed-Rate Mortgages
With a fixed-rate mortgage, the interest rate remains consistent over the life of your mortgage.
Advantages include:
- Your principal and interest payments remain constant.
- It’s easy to budget.
- If interest rates rise, it won’t affect you.
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Adjustable-Rate Mortgages
With an adjustable-rate mortgage, interest rates remain the same for a set period of time and then are subject to change periodically.
Advantages include:
- Initial payments may be lower than a fixed-rate mortgage.
- You may qualify for a higher loan amount.
- If you plan to move before the interest rate adjusts, you may save money on your mortgage as compared to a fixed-rate loan.
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Fresh Start Mortgages
Worried your less–than-perfect credit may keep you from your dream of homeownership? Our Fresh Start Mortgage is designed to help members with credit trouble get the financing they need for a home purchase or refinance.
This mortgage:
- Provides alternative, affordable financing options.
- Is perfect for those with less-than-perfect credit looking to buy or refinance.
Please contact us at 1-800-359-1939, option 2 to inquire about our current Fresh Start Mortgage rates.
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Refinance an Existing Mortgage
Refinancing a mortgage from another financial institution can help you reduce your monthly payment with a lower interest rate, pay off your loan sooner or convert to a fixed-rate loan.
Refinancing lets you:
- Lock in a lower rate to save money
- Shorten your loan term to build equity faster
- Increase cash flow by locking in a lower rate or longer loan term
- Convert your Adjustable-Rate Mortgage to a Fixed-Rate Mortgage
- Use equity you’ve built in your home for important financial goals like education, vacation or home improvements
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Members Advantage Mortgage
Our Members Advantage Mortgage provides a fixed amount of money you pay back over a set amount of time. This is a first lien fixed rate home equity loan, so it has no closing costs and can be closed in less time than a traditional first mortgage. That means any existing mortgage, home equity loan or home equity line of credit must be paid off prior to or with the proceeds of this loan. This product is not available for a home purchase.
A Members Advantage Mortgage offers:
- Competitive rates
- Quicker closing than a first mortgage
- No application fees, closing costs or annual fees
- 5-, 10- and 15-year terms available to fit your financial situation
- Lower interest rates than a second lien fixed rate home equity loan
- Cannot be used for a home purchase
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Now
Still not sure which Mortgage option makes the most sense for you? Contact our loan experts at
1-800-359-1939, option 2 to learn more.
