Remodel, Refinance, Redecorate.  Ready, Set, Go!



We're ready when you are!

  • REFINANCE your home with one of our mortgage loan options.
  • REDUCE your interest rate! It could lower your monthly payment or help pay off your home faster, saving money over the life of your loan.
  • REMODEL or REDECORATE with a Home Equity loan or Line of Credit.
  • Call, come in, or apply online

Click to apply for a Home Loan

All loans subject to credit approval. Maximum APR is 18%. Closing costs may range from $30 to $650. Rates and terms are determined by overall credit history, loan-to-value and term of loan, and are subject to change. Property insurance required on some loans. Membership eligibility and some restrictions apply. Speak with a 1st CCU Mortgage Expert for full details. NMLS 411004.

Real Estate Loans

When you are ready to buy that perfect house, build your dream home, or refinance your existing home, let 1st Community Credit Union lend a hand with a mortgage that is built for you! link to justin and anna's testimonial
  • Fixed Rate Mortgages 
  • VA Loans
  • USDA-Rural Development Loans
  • Construction Loans
  • Lot and Land Loans

We have competitive rates, knowledgeable mortgage experts, and we offer Low Closing Costs all year round. We want to be your your lending team - let us help you get moving to your dream home!

Second Mortgages

A Second Mortgage loan is a fixed-rate loan that gives you access to the equity in your home for debt consolidations, home improvements, buying a car, college expenses and more.


The Home Equity Line Of Credit allows you the freedom and flexibility to access the equity in your home. You may use the funds for whatever you desire, such as debt consolidations, home improvements, buying a car, college expenses and more.
  • Secured by the equity in your home (maximum limits apply)
  • Low, Variable Rate
  • Access as easy as writing a check

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

Call us with your questions about Real Estate loan options, down payments, mortgage terms and current rates. 

Barb Burnham
(608) 366-2306
Sparta Office 
NMLS ID#479185 - Barbara Lynn Burnham

Sarah Cash, Mortgage Loan Officer
Sarah Cash
(608) 366-2044
West Salem Office
NMLS ID#1159641 - Sarah Louise Cash

Molli Hundt

Molli Hundt
(608) 366-2319
Sparta Office
NMLS ID#488022 - Molli E Hundt