Affordable, Flexible Programs 

As an important financial decision, you can turn to us for funding when purchasing or refinancing a home. Our experienced and friendly mortgage professionals are ready to help find a loan that's just right for you with:

  • Personal service
  • Competitive rates
  • Flexible underwriting
  • Low closing costs
  • Ease of application
  • Lot sizes up to 10 acres

Mortgage Loans


Fixed Rate Mortgages 

Choose from Conventional and VA fixed rate mortgage loans. A loan officer can help you decide which option is best for your situation.


Adjustable Rate Mortgages 

Several different adjustable rate mortgage programs are available to meet your needs. These loans feature our lowest initial rates and fixed rate periods of up to three years are available. Loans that have the option to convert to a permanent fixed rate are also available.


First Time Homebuyer Programs

If you are purchasing your very first home, our First Time Homebuyer programs are the perfect way to get started. You will find options with fixed or adjustable rates, as well as low or no down payment options. Home ownership counseling may be required for some programs.


Pledge Program 

If you have savings to use as collateral, your loan amount can be for 100% of the purchase price. A Fortera Credit Union certificate account of your choice is pledged as additional collateral. You get the benefit of more favorable loan terms while continuing to earn interest on the account and avoiding early withdrawal penalties.


No Closing Costs Mortgage 

To minimize your initial cash investment, consider the No Fees Mortgage Loan. For a slight increase in your monthly payment, we will pay your closing costs (does not include prepaid expenses or VA funding fee). This option can be combined with any of our fixed rate loan products.


Construction Loans

If you are building your dream house, get financing for up to 90% of the cost of construction of a residential property.




Estimate Your Home's Value

Use HomeValueBot to estimate your home value instantly and privately! 
Click here
 to learn how.


Educational Resources

Calculators | Glossary | Closing & Beyond