Mortgage Loans - Your Credit Union
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The benefits of Your Credit Union's mortgage loans

Reduced closing costs.

You’ll receive a $1,000 closing cost credit when you finance a conventional mortgage with YCU.

 

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Lock in your rate.

We'll not only help you find the best mortgage rate, you'll lock it in for the first three months.

 

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Low down payment.

You won't have to empty your wallet to buy a home. Make your purchase with just 5% down.

 

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Flexible terms.

Your Credit Union offers a variety of mortgage loans, including 10, 15, 20, and 30-Year terms.

 

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Housing options.

Conventional mortgage loans are available for Primary, Secondary and Condo Properties.

 

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PMI

Avoid higher monthly payments for a conventional mortgage when you put 20% or more down.

 

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Personalized service.

Your local Credit Union offers customized service from a dedicated Mortgage Consultant.

 

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Fixed-Rate Mortgage
Effective Date: Sunday, May 26th, 2024
Available for terms up to 30 years. Here are just a few examples of the great rates we currently offer.
TermRates as low asPointsAPR*Payment*
30 Year 7.255% 0.244% 7.054% $1,330.60
20 Year 6.750% 0.312% 6.828% $1,520.73
15 Year 6.625% 0.039% 6.679% $1,755.99
10 Year 6.375% 0.378% 6.526% $2,258.26

*APR = Annual Percentage Rate. The payment is based on a loan amount of $200,000 and consists of principal and interest. The payment does not include taxes and insurance premiums. The actual payment amount will be greater.

Choose Your Rate

Fixed-Rate Mortgage
350,000.00
30 year fixed
5.625%
5.756%

Your monthly payment.

$2014.80 for 30 years
Contact UsApply for a loan

Adjustable-Rate Mortgage
ARM loans amortized for 30 years. Here is just an example of the great rates we currently offer.
TermRates as low asPointsAPR*Payment*
5-Year ARM 5.750% 0.378% 7.201% $1,167.15
7-Year ARM 6.000% 0.378% 7.068% $1,199.10


*APR = Annual Percentage Rate. The initial payment is based on a $200,000 loan on a $335,000 property, amortized for 30 years. This assumes the loan is for the refinance of a single-family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher. The payment consists of principal and interest and does not include taxes and insurance premiums. The actual payment amount will be greater. After the initial fixed period, the principal and interest payment can change every year for the remaining life of the loan.

FHA Mortgage
Fixed-rate and adjustable-rate loans available for terms up to 30 years. Here is just an example of the great rates we currently offer.
TermRates as low asPointsAPR*Payment*
30 Year Fixed 7.250% 0.000% 8.025% $1,479.50
15 Year Fixed 7.125% 0.000% 7.884% $1,908.88


*APR = Annual Percentage Rate. The payment is based on a loan amount of $200,000 and consists of principal, interest and mortgage insurance premiums. The payment does not include taxes and other insurance premiums. The actual payment amount will be greater.

First Time Homebuyer

Are you a first time home buyer? Learn everything you need to know about the process and be confident in your decision.

A Mortgage specialist will assist you every step of the way.

Meet Our Team

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