Mortgage Loans
Discover a range of loan options for every step of your homeownership journey. We make the process simple, transparent, and stress-free.
Apply NowFixed-Rate
Loans
Adjustable-Rate
Loans
Explore the Benefits of Our Home Loans
Competitive Rates
Reduce your monthly mortgage payments thanks to our affordable rates.
Flexible Terms
We’ll tailor your loan terms to match your budget and long-term financial goals.
Expert Guidance
Take advantage of personalized support and local service from our experienced loan officers.
Streamlined Process
Enjoy a hassle-free loan process with minimal paperwork and quick approvals.
Digital Banking
Conveniently manage your mortgage payments online or through our highly-rated mobile app.
Cost Savings
As a not-for-profit credit union, we return profits to our members through lower fees and closing costs.
★★★★★
“I’ve been a member of the Credit Union since the 1970’s and they have served me well. I did shop around for a mortgage lender, and I came back to the Credit Union and I’m glad I did. Laura helped me all the way through and keeping my loan in-house with the credit union made it so much easier. Laura was there for me all the way to the end. I wouldn’t do it any other way now that I’ve been through it. 5 Stars + for Laura and the Credit Union.”
-Pathways Member, Galena, OH
FAQs
A fixed-rate mortgage has an interest rate that remains the same for the entire loan term. The interest rate of an adjustable-rate mortgage (ARM) can change periodically during the life of the loan.
An adjustable-rate mortgage could be a good choice if you intend to sell, pay off, or refinance your mortgage within a few years. It may also offer a lower initial rate than a fixed-rate mortgage and your rate could stay low if mortgage interest rates remain steady or trend downward.
The lender calculates your monthly payment based on the loan amount, the interest rate, and the term of the loan. It also depends on whether or not you have to pay mortgage insurance premiums.
Private mortgage insurance (PMI) protects the lender if you stop making payments on your loan. Lenders require PMI if you make a down payment of less than 20% of the purchase price.
A conventional loan is a mortgage that does not carry government insurance. For first-time home buyers, conventional loans may allow for a down payment as low as 3% and offer many benefits for eligible borrowers.
The total amount you can borrow depends on your income, debts, and credit score. It also depends on the value of the property you want to buy. A mortgage loan officer can help you decide how much you can borrow.
Yes, we are an equal housing lender. If you want to purchase a home, simply fill out an application, give us a call, or stop by a branch to start the process.
Have a Question? We’re Here for You
Check Out Our Other Loan Options
Home Equity
Loan
Leverage your home's equity to achieve your financial goals. Benefit from our simple and flexible borrowing solutions.
Power Equity Line
of Credit
Unlock the power of your home equity. Enjoy convenient access to funds whenever you need them.
Lifestyle Personal
Loan
Get the cash you need to consolidate debt, make home improvements, or pursue your dreams.
Home Equity Loan
Leverage your home's equity to achieve your financial goals. Benefit from our simple and flexible borrowing solutions.
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