Now more than ever, it is critical to work with a mortgage lender you can trust. Our mission is to enrich the financial lives of our members. You can trust our local mortgage experts to listen to your needs, answer all your questions, and explain the details, so there are no surprises!

What You’ll Need To Qualify for a Mortgage Loan

Types of Mortgages

We offer a variety of low-rate mortgage loans with low closing costs and easy payment options – all designed to save you money. While many financial institutions require 90 days to process a Mortgage, we can close your Mortgage in 45 days or less in most cases. We can do mortgages on a primary residence, vacation home and investment property for all our members in all 50 states.


Conventional Mortgage
  • Fixed Rate – A great choice if you are planning to stay in your home for more than seven years. These mortgages offer a constant interest rate and monthly payment. The 30-year and 15-year fixed mortgages are popular choices.
  • Adjustable Rate Mortgages (ARM) – An ARM is an ideal choice if you are planning to live in your home for a short time or planning to refinance in the future. With these mortgage mortgages you can lock an interest rate for 3, 5 and 7 years.
Government Loans
  • FHA Loan – Since 1934 the Federal Housing Administration (FHA) loans have been helping people become homeowners. Perfect for those buyers who are looking for lower down payment and low closing costs.
  • VA Loan – is perfect for American Veterans or their surviving spouses to help finance a home with no down payment.
  • USDA/Rural Development Loan – Guaranteed Rural Housing Loans offer no down payment for those with income that does not exceed 115% of the median area income.
Reverse Mortgages
  • Perfect for those age 62 and over who are looking to enhance their retirement years by accessing equity in their home to improve their cash flow.
  • No monthly mortgage payment is due.
  • In most cases, a borrower’s credit score is not used in the credit decision.
Jumbo Mortgage

A loan is considered jumbo if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae and Freddie Mac — currently $424,100 for a single-family home in all states (except Hawaii and Alaska and a few federally designated high-cost markets, where the limit is $636,150).

Jumbo loans are available for primary residences, second or vacation homes and investment properties. These mortgages are available in a variety of terms including fixed-rate and adjustable-rate loans. A jumbo loan will typically have a higher interest rate, stricter underwriting rules and require a larger down payment than a standard mortgage.

If you have any questions please call us at 815-744-7497 or email us at

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