First Mortgage Loans

Congratulations are in order! Whether you’re a real estate rookie or a tenured home buyer, we’re here to help you through this exciting process.

For those looking to purchase a new home, or refinance their existing loan at today’s low rates, our mortgage consultants are here to help you navigate your options. 

About our Real Estate Professionals:

  • Lending staff all have 10 or more years experience
  • Average closing time of 30 days
  • Constant communication with you throughout the process - by phone, text and email
  • Helpful Checklist for new borrowers

About our Real Estate Loans:

  • No Closing Cost Program*
  • Conventional and low down payment loans with terms up to 30 years
  • Fixed and adjustable rate programs
  • HomeAdvantage Program: Search listings, connect with a qualified Real Estate Agent and receive Cash Rewards at closing2
  • Receive your FICO® Score for free, updated quarterly and available through Digital Banking3
  • Online application and prequalification
  • Mortgage Center featuring rates, calculators and FAQs

 

Mortgage Center   Apply Now
 

 

No Closing Cost Program*

Buyers can select to use the credit union's no closing cost program when purchasing or refinancing their primary residence. The credit union will not cover discount points to obtain a lower rate, property taxes or homeowner's insurance. Additionally, if the loan is repaid within 24 months the closing cost assistance must be repaid.

 

We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act

Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex and income of applicants and borrowers; and information about loan approvals and denials.  Inquire in our office regarding locations where HMDA data may be inspected.

NMLS# 469322

*Available on fixed or adjustable rate mortgage (ARM) products. Payment example with 4.797% APR: APR is calculated using a $400,000 loan amount, with a 4.75% interest rate on a 30 year mortgage. Estimated closing costs and prepaid items on this $400,000 loan would be $8,240 with a monthly payment of $2,085.74.

1Limited time offer of .25% rate discount includes a .125% discount for using CU Realty’s HomeAdvantage program and a .125% discount for having a direct deposit of $500 or more a month into a DCU account. Using HomeAdvantage is not a requirement to receive the .125% direct deposit discount. Your APR will not be lower than 3.5% APR.

2Cash Rewards are awarded through the HomeAdvantage® program to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage® network agent. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. If you are obtaining a mortgage, your lender may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Please consult with your lender for details that may affect you.

3FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.  FICO® Score provided to Primary Member with an eligible DCU loan.
4Cash Rewards listed are for example purposes only — your rewards may vary.

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