Mortgage

We're ready when you are! 

Buy, Build, Refinance, Remodel...our Mortgage Experts help members achieve their dreams of home ownership. Contact us with your questions about Real Estate loan options, down payments, mortgage terms and current rates. 

APPLY NOW

 

Barb Burnham, Mortgage Lender NMLS 479185

Barb Burnham Email(opens in a new window)

Direct Phone: 608-366-2306
Direct Fax: 608-366-2047

NMLS #479185 Barbara Lynn Burnham



Molli Hundt, Mortgage Lender NMLS 488022

Molli Hundt Email(opens in a new window)

Direct Phone: 608-366-2319
Direct Fax: 608-366-2065

NMLS #488022 Molli E Hundt

facebook icon (click to go to facebook page)(opens in a new window)


Michael Garcia, Consumer Lender NMLS 1187389

Michael Garcia Email(opens in a new window)

Direct Phone: 608-366-2303
Direct Fax: 608-366-2074

NMLS #1187389 Michael Garcia

facebook icon(opens in a new window)

 

for sale sign being pushed into ground by a hand

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!
  • Fixed Rate Mortgages
  • VA Loans
  • USDA-Rural Development Loans
  • Construction Loans
  • Lot and Land Loans

Contact our lenders with your questions or ask for a free financial review and pre-qualification. We have competitive rates, knowledgeable mortgage experts, and we offer Low Closing Costs all year round. We want to be your lending team - let us help you get moving to your dream home!

Tips For The Mortgage Process


Refinance Options

If you're paying a high rate on your mortgage at another financial institution, refinancing your loan with 1st CCU could possibly 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.


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.

HELOC

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, starting a business and more.
  • Secured by the equity in your home (maximum limits apply)
  • Low, Variable Rate
  • Access as easy as writing a check

carpenters working on building a new home


Construction Loans

  • Up to 90% financing
  • Flexible down payment options available
  • Low fees and fast approval
  • Up to 6 easy draws to fit your needs
  • No minimum credit score
  • No private mortgage insurance needed
  • Easily converted to Fixed Rate Mortgage

* Additional closing costs may apply. No prepayment penalty. Contact a loan officer for full details.


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-approval
  • 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. See a lender for details. NMLS 411004

HELOC: 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.