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
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.
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.
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
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