Home Loans

Buying, building, remodeling or refinancing...We're ready when you are! 

Your home could be one of the biggest investments you make, and finding the right Home Loan can make all the difference.

1st Community Credit Union's Mortgage Experts are here to help you achieve your dream of home ownership. Contact us with your questions about Real Estate loan options, down payments, mortgage terms, current rates and more! We're happy to answer your questions and provide a free no-obligation financial review and pre-qualification. Simply give us a call at 888-706-1228, or apply online today.

  • Fixed Rate Conventional Mortgage Loans
  • $0-Down Payment VA Loans & USDA-Rural Development Loans
  • Construction Loans
  • Home Equity Line of Credit
  • Lot and Land Loans
  • Second Mortgage Loans
  • 1st-Time Homebuyer Program
  • Mobile Home Loans
  • Refinancing of Existing Home Loans
  • Competitive Rates
  • Knowledgeable Mortgage Experts
  • Low Closing Costs All Year Round

We want to be your lending team - let us help you get moving to your dream home!

A Home Loan Pre-Qualification has become a crucial first step in buying a home. The Pre-Qualification is a simple, easy way for you to find out ahead of time if you will qualify for a home loan, the loan amount you will qualify for, and the kind of monthly payments you can afford. In today's home buying market, buyers generally need a Pre-Qualification Letter in hand before a Realtor will begin showing them homes. We've been in an environment with a low inventory of home for sale and a high volume of potential buyers. Having that Pre-Qualification Letter in hand shows Realtors and Sellers that you are a serious buyer who already has financing in place.  Contact us today for information on how you can get Pre-Qualified!

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Tips For The Mortgage Process

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1st Mortgage Loans

Whatever stage of life, 1st CCU has a home loan to fit your needs, from a vacation cabin to a retirement home. 
  • Fixed Rate Mortgages - 10 Year, 15 Year, 20 Year, 30 Year
  • Very competitive rates
  • Low closing costs
  • Personalized assistance from application to final closing
  • Free pre-qualification - your 1st step in the home buying process to find out how much mortgage you qualify for

$0-Down Payment Options: VA Loans and USDA-Rural Development Loans

Peace of mind, low closing costs, and flexible payment options. Find out if a $0-Down Payment loan option is right for you!
The VA Loan and USDA-Rural Development Loan programs require no down payment, they are backed by the government, and they have high-mortgage-qualifying flexibility. The two programs have some similarities and also some specific differences. Compare the programs, then speak with a 1st CCU Mortgage Loan Officer for more details and to find out if you qualify.

VA Loan

  • A Veteran's Assistance (VA) Loan is available to veterans, service members and select military spouses
  • Issued by private lenders and guaranteed by the US Department of Veterans Affairs
  • VA funding fee varies based on the nature of your service and whether you've used the VA program to purchase a home before
  • Minimum Credit Score of 620 required
  • 15 year and 30 year Fixed Rate financing available
  • 100% financing available (dependent upon Certificate of Eligibility - contact 1st CCU for assistance in obtaining)
  • 0% Down Payment
  • 50% Maximum Debt-to-Income Ratio
  • Seller may contribute up to 4% toward buyer's cost
  • For owner-occupied housing only (2-4 family buildings acceptable)
  • Mortgage Insurance: Funding Fee 2.15% (Rolled into loan and paid directly to the Dept of Veterans Affairs; some individuals may be exempt from this fee)
  • Additional restrictions may apply; see lender for qualifications and restrictions

USDA-Rural Development Loans

  • A USDA Rural Development Home Loan is offered by the US Department of Agriculture to home buyers in less densely populated areas of the country (properties must be eligible per USDA)
  • Eligibility is determined by home location, income level, and other requirements
  • Minimum Credit Score of 640 required
  • 30 year Fixed Rate financing
  • 100% financing available (dependent upon eligibility)
  • 0% Down Payment
  • 41% Maximum Debt-to-Income Ratio
  • Seller may contribute up to 6% toward Buyer's cost
  • For owner-occupied housing only
  • Subject to income limitations
  • Subject to home location limitations (not all counties in Wisconsin are eligible for Rural Development Housing Assistance)
  • Annual Fee
  • Additional restrictions may apply; see lender for qualifications and restrictions
  • Mortgage Insurance: Up-front Guarantee Fee 1% (rolled into loan) and Monthly Mortgage Insurance .35%  (Any type of mortgage insurance that is paid monthly is a loan requirement; borrowers must still have homeowners insurance)

Construction Loans

Ready to dig?  Then dream BIG!  You've got the plans, and we've got the great rates. Building your dream home can be easy and affordable!
  • Great low rate
  • Low fees*
  • Flexible down payment options available
  • Convenient 11-month term
  • Fast approval
  • Up to 6 easy draws to fit your needs
  • No private mortgage insurance needed
  • Easily converted to Fixed Rate Mortgage once the construction is complete

* Additional closing costs may apply. No prepayment penalty. Contact a loan officer for full details. If you are purchasing a semi-developed lot or raw land you may be asked to provide one or more of the following for your loan file: soil and site evaluation, septic design and sanitary permit, zoning information, building permit (if applicable), driveway permit (if applicable), well permit (if applicable).

Lot and Land Loans

It's all about location, location, location! You've found the perfect spot, now see 1st Community Credit Union for the financing to secure it for your future plans. Whether it's a residential lot to build your dream home from the ground up, a hobby farm for raising small livestock and growing crops that are not used to provide an income, or recreational land for hunting, our lenders are here to help:
  • Competitive rates and low fees
  • No acreage limitations
  • Fast approval
  • No private mortgage insurance needed
  • See our Mortgage Experts for full details

Second Mortgages

A Second Mortgage loan gives you the freedom and flexibility to access your home's equity for making improvements, making major purchases, and more.
  • Fixed Rate Loan*
  • Borrow up to 95% loan-to-value
  • Secured by the equity in your home (maximum limits apply)
  • Competitive rates and fees
  • Fees can be added to the loan
  • No prepayment penalty
  • Use the funds for just about anything: Home improvements, repairs, debt consolidation, buying a new auto or recreational vehicle, taking a dream vacation, landscaping, pool, starting a business and more!
  • Interest may be tax-deductible (consult your tax advisor)
  • Contact 1st CCU for details, qualifications and requirements
*fixed rate for a period of months, then it balloons


You work hard for your home, and now you can put your home to work for you with a 1st CCU Home Equity Line Of Credit! A HELOC can be an easy, low-cost source of funds for large expenses such as making home repairs, remodeling, buying a car, starting a business, taking a dream vacation, and more! 
Borrow what you need, when you need it...you only pay interest on the amount you use. This could be the last loan you ever need - apply once, then use it over and over and over again!
  • Use HELOC funds for almost anything!
  • Access by writing a check or making a transfer (subject to minimum draw requirements)
  • Borrow up to 95% loan-to-value
  • Revolving credit: Use it and pay it back as you go
  • Only pay interest on the amount you use
  • Competitive rates and fees
  • Fees can be added to the loan
  • Interest may be tax-deductible (consult your tax advisor)
  • Contact 1st CCU for full details

Refinance Options

If you're paying a high rate on your current mortgage at another financial institution, meet with a 1st CCU Mortgage Expert to discuss refinancing your loan with 1st CCU! We may be able to beat your current rate and lower your monthly payment or help pay off your home faster, saving you money over the life of your loan. Our lending professionals are available for a free financial review.

1st-Time Homeowners

Buying your 1st home isn't just a transaction, it's an exciting milestone in your life! Our Mortgage Experts will guide you through the process step-by-step from application to final closing, answering your questions and explaining your options along the way.

Husqvarna self-propelled push lawnmower

  • Low, affordable rates
  • $0-Down Payment options available
  • Low closing costs
  • Friendly, local lending experts
  • Flexible terms
  • Free pre-qualification
  • AND...a FREE LAWNMOWER to 1st-Time Home Buyers at closing!*

It's a great time to buy your 1st home! APPLY NOW

* Depending on inventory, actual lawnmower you receive may not be the exact model pictured here, but will be of equal or greater value.

Mobile Home Loans

1st Community Credit Union can assist you in financing an affordable alternative to home ownership with a Mobile Home loan.

  • New or Used
  • Single-wide or Double-wide
  • Affordable fixed rates
  • Down payment required

Rates, terms and conditions subject to change and may vary based on creditworthiness, conditions and qualifications. All loans subject to credit approval. Membership eligibility and some restrictions apply. In the case of $0-down payment programs, loans are also subject to program qualifications. See a lender for details. NMLS 411004.  Property insurance required on some loans.

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Meet Our Lenders

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NMLS 411004

If you are a Wisconsin resident experiencing financial hardship since January 21, 2020 or in relation to the Coronavirus pandemic (overdue mortgage payments, property taxes, utilities, etc), and if you meet income and other eligibility requirements, you may qualify for the Wisconsin Help For Homeowners program. Click here to go to the WHH website for full details.