Mortgage Loans

Mortgage Loans

Home Loan Brochure

Buying a home for the first-time homeowner can be intimidating. We will help you with the terminology and walk you through the entire process step-by-step. To help you get started, here are a few things to consider:

  • How much house should you buy? Your monthly mortgage payment should not exceed 26% of your monthly income.
  • Down payment — conventional mortgages, which means 20% down and no Private Mortgage Insurance (PMI) OR mortgages with down payments as low as 5% with PMI
  • Closing Costs - The mortgage closing costs include your attorney's fee, our attorney's fee, title search, survey, insurance, mortgage tax (when applicable) and recording fees and could cost you as much as 6% of your mortgage. With us, these fees are much lower, saving you thousands of dollars.
  • Calculate your monthly payment

If you already own a house and thinking of refinancing, check now to see if you should refinance

Key Benefits:

  • Flexible mortgage options (fixed and adjustable rates with terms from 10 to 30 years).
  • Simple and affordable process.

Apply Now!

Home Equity Loans

Need extra cash to consolidate your debts or maybe remodel your kitchen? Possibilities are endless with our convenient home equity loan program. Home equity is the value difference between your home's appraised value and the balance of all of your mortgage loans. This value is known as the equity that you have in your home.

Our Home Equity Loans will help you with any home improvement projects, debt consolidation, education or medical expenses.

Key Benefits:

  • Flexible mortgage options.
  • Simple and affordable process.
  • Payment term up to 180 months.
  • No closing fees to the member for loans not exceeding $50,000.
  • For more information contact us at 1-800-333-7713 or send us an email to
View the printable mortgage application View the printable mortgage application checklist View the printable borrower(s) authorization form Equal Housing Opportunity and Equal Housing Lender