Mortgage Loan Application

Click to apply for a Home Loan


Check out our Construction Loans! Building your dream home can be easy and affordable with 1st Community Credit Union:

  • Great low rate
  • 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

*Rates, terms and conditions subject to change and may vary based on creditworthiness, and qualifications. Additional closing costs may apply. No prepayment penalty. Contact a loan officer for full details. All loans subject to approval. Some restrictions apply. Membership eligibility required.

Cut the cost of home ownership
Whatever your stage in life, 1st CCU has a Mortgage Loan to fit your needs, some with $0-Down Payment options!

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.

free lawnmower for 1st-Time Homebuyers who finance their 1st home with 1st CCU

  • 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

*All loans subject to approval. Conditions apply. Ask a 1st CCU Mortgage Expert for current rates, terms, and mortgage options. Membership eligibility required. Anyone living or working in the counties of La Crosse, Monroe, Vernon, Jackson or Trempealeau is eligible for membership. Depending on inventory, actual lawnmower you receive may not be the exact model pictured here, but will be of equal or greater value.

Equal Housing Opportunity Lender logo
NMLS 411004

When you choose 1st Community Credit Union for your mortgage loan you are teaming up with mortgage experts who have over 75 years of combined experience in helping members achieve their dreams of homeownership. Contact our lenders with your questions or ask for a free financial review and pre-qualification.

Meet The 1st CCU Mortgage Team

Barb Burnham Email Apply With Barb

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

NMLS #479185 Barbara Lynn Burnham

Sarah Cash, Mortgage Loan Officer Sarah Cash Email Apply With Sarah

West Salem Office

Direct Phone: 608-366-2044
Direct Fax: 608-366-2071

NMLS #1159641 Sarah Louise Cash

Molli Hundt Molli Hundt Email Apply With Molli

Sparta Office

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

NMLS #488022 Molli E Hundt

Helpful Hints During The Mortgage Loan Process 

family of parents and kids moving into a new home

Follow these tips to build a solid foundation for successful financing:

  • Do not open or apply for any new Installment loan accounts of any type
  • Do not open or apply for any new credit cards
  • Do not exceed your existing credit card high balance limit
  • Do not increase existing credit lines
  • Do not close any of your existing unused credit cards
  • Any credit report inquiries made may result in a drop in your credit score. This would include cell phone, cable/satellite service, credit card of any type, car loan, bank overdraft protection, bank loan, etc. Do not apply for any type of credit during this mortgage process
  • Any inquiries made into your credit that are not shown on the original credit report must be explained in writing to prove that no new debt has been incurred
  • Credit card balances can, and will, affect your credit score. The amount owed on your credit card compared to the available balance is a determining factor of your credit score. Do not pay off your balance or add to your balance without consulting your loan officer first. A small change in the percentage owed may affect your score.

Kristen's testimonial

Documentation You Will Need When Applying For A Mortgage Loan

The documents your loan officer requires will vary, but may include:

house and Sold sign
  • A purchase contract, if you have one, for the home you wish to buy
  • Social Security numbers or individual taxpayer identification numbers for borrowers
  • Home address(es) for the past two years
  • Account numbers and balances of checking, savings, retirement, and credit card accounts
  • Address of your financial institution
  • Checking and Savings account statements for past 2-3 months
  • Recent pay stubs, W-2s, or other proof of employment and income verification
  • Federal income tax returns for past two years
  • Other income you receive (child support orders, Social Security award letters, etc)
  • Balance sheets and tax returns if you are self-employed
  • Divorce settlement papers if applicable
  • Cancelled checks for rent or utility bill payments to show payment history and amount of revolving debt
  • Information on other consumer debts (credit cards, car loans, furniture loans, student loans, etc)
  • Gift letters, if you are using gifts from relatives or organizations to help cover down payment or closing costs. Letter must state that the money you received is a gift and will not have to be repaid