Mortgage Solutions Designed Around You
Wherever you are in your homeownership journey, CRCU has a mortgage solution for you. Our team is here to guide you every step of the way with a simple, transparent process.
Stress-Free Home Lending
• Convenient online application process
• Quick pre-qualification and pre-approval to get you shopping faster
• Competitive mortgage solutions, including 100% financing option
• In-house underwriting for faster loan decisions
• No pre-payment penalties
• Bilingual loan officers available
Find the Right Mortgage That Fits You
Mortgage Purchases
Primary Residence
Purchase your first home or your forever home with a fixed-rate mortgage, up to 30 years financed, and a maximum Loan-to-Value (LTV) of 95%.
Secondary and Investment Properties
Interested in a secondary or investment property? We offer fixed-rate mortgages with minimum 20% down, at a maximum Loan-to-Value (LTV) of 80%.
Mortgage Refinances
No Cash-Out Refinances
Looking for a better rate or term? Refinancing your mortgage is a great way to put a few hundred dollars back into your pocket each month. We'll refinance your loan with a fixed-rate mortgage, up to 30 years, and a maximum Loan-to-Value (LTV) of 95%.
Home Equity Loans
Tap into the equity of your primary residence by obtaining a home equity loan. Whether its debt-consolidation, home improvement, a dream vacation or more, CRCU can help with a fixed-rate mortgage, offering both first and second liens! Our home equities have a maximum Loan-to-Value (LTV) of 80%, with first liens financing up to 30 years.
Cash-Out Refinances
Utilize the equity of your home to obtain cash for debt-consolidation, home improvements, or more. Our cash-out refinance mortgage allow up to 80% Loan-to-Value (LTV), and up to 30 year terms.
Other Loan Solutions
Community Hero Mortgage
Our product for our local heroes working in the educational field, medical field, and all first responders. CRCU offers zero down payment on purchases, no origination fees, and no Private Mortgage Insurance (PMI). Let us give back with a fixed-rate mortgage, up to 30 years financed, and a maximum Loan-to-Value (LTV) of 100%.
Land Loans
Seeking to purchase land? CRCU can help with purchasing your next raw land or vacant lot. We offer up fixed rates up to 20 years, with a maxmium Loan-to-Value (LTV) of 80%.
Become a Member
Not a CRCU member yet? Joining is quick, easy, and the first step toward accessing our mortgage solutions.
Meet the Mortgage Team
Our experienced mortgage professionals are here to help you navigate the home financing process with confidence.
Ready to Apply
Apply online and partner with a mortgage team that's committed to helping you every step of the way.
Document Checklist
Preparing to apply or have already submitted your application? Find out what documents and information you may need.
Mortgage Account Access
Existing users can log in to manage their mortgage online. New users can create an account to access loan information, payments, statements, and more.
Mortgage Calulators
Explore affordability, estimate payments, compare scenarios, and make informed home financing decisions with our helpful calculators.