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 members 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. We offer:

  • Fixed and adjustable rate programs
  • Terms up to 30 years
  • Up to 1.5% closing cost credit on adjustable rate mortgages
  • Online application and prequalification
  • Mortgage Center featuring rates, calculators and FAQs

 

Mortgage Center   Apply Now

Checklist for new borrowers. 

 

Closing Cost Credit Program*

Members can select to use the credit union's closing cost credit program when purchasing or refinancing their primary residence. The credit union will give a closing cost credit of up to 1.5% of the loan amount to assist members with their closing costs. 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 assistance must be repaid. 
 

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

NMLS# 469322

*Only available on 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.

1FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Score provided to Primary Member with an eligible RLCU loan. To view your FICO® Score, log into mobile banking and select from the menu.

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.

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