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When you find the perfect place to live, you want to take the next step.

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Options For All Life Stages

1st home, larger dream home, vacation cabin…we have loan options for every stage of life. And we’ll help you stay in your budget! Our team of mortgage experts will work with your schedule to help you reach closing day free of stress.


1st Home

  • Competitive rates & low closing costs
  • Personalized assistance from our mortgage experts
  • Free pre-qualification

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  • Get a lower rate or a shorter term
  • Cash out your equity
  • Lock in a new fixed rate

Refi Today

Start or Continue Application

  • Start a new home loan application
  • Finish a loan application you started
  • Upload documents or check status of loan

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A Home Loan Pre-Qualification has become a crucial first step in buying a home. It’s an easy way for you to find out if you will qualify, the loan amount you could qualify for, and an estimate of the monthly payments. 

PreQualify Now  


Home Equity Line of Credit

Home Equity Line of Credit

You work hard for your home, now put your home to work for you! 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! 

This could be the last loan you ever need - apply once, then use it over and over and over again!

  • Borrow against your home’s equity
  • Revolving credit: Use it and pay it back as you go
  • Only pay interest on the amount you use
  • Interest may be tax-deductible (consult your tax advisor)

Start Today  


1st-Time Homebuyer Program

1st-Time Homebuyer Program

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. 

PLUS, qualifying 1st-time home buyers receive a free lawnmower at closing!*

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VA Loan - 100% Financing

Peace of mind, low closing costs, and flexible payment options. The VA Loan (Veterans Assistance) program requires no down payment, is backed by the government, and has high-mortgage-qualifying flexibility. Contact a 1st CCU Mortgage Loan Officer for more details and to find out if you qualify. 

1st CCU can assist in obtaining the Certificate of Eligibility.

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100% financing of the purchase price. Additional closing costs may apply.  

USDA-Rural Development Loan – 100% Financing

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. Contact a 1st CCU Mortgage Loan Officer for more details and to find out if you qualify.

Apply Now  

100% financing of the purchase price. Additional closing costs may apply. 

Construction Loan

You've got the plans, and we've got the great rates. Building your dream home can be easy and affordable!

  • Flexible down payment options available
  • Convenient 11-month term
  • Up to 5 easy draws to fit your needs
  • No private mortgage insurance needed
  • Easily convert to Fixed Rate Mortgage when construction is complete

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* 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). 

Fixed Rate Conventional Mortgage Loan

Choose a fixed-rate mortgage when you plan to stay in your home for a long term. The interest rate is locked in for the term of your loan. The longer the term, the smaller your monthly payments. 

  • Terms from 10-30 years to fit your budget
  • Principal and interest payments are fixed

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Lot and Land Loans

It's all about location, location, location! When you've found the perfect spot, let us provide the financing to secure it for your future plans. 

  • Fixed rate, no balloon
  • Residential lots for building
  • Hobby farm for raising small livestock and growing crops that are not used to provide an income
  • Recreational land for hunting
  • No acreage limitations
  • No private mortgage insurance needed
  • See our Mortgage Experts for full details

Apply Now

Second Mortgage Loans

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 against your home’s equity
  • 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

Apply Now

*fixed rate for a period of months, then it balloons   

Mobile Home Loans

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

  • On Land or in Mobile Home Parks
  • New or Used
  • Single-wide or Double-wide
  • Affordable fixed rates*
  • Down payment required

Start Today

*Rate is fixed but the term contains a balloon




Barb Burnham


Barb Burnham

Loan Officer



 NMLS #479185 Barbara Lynn Burnham


Lisa Miller

Loan Officer



 NMLS #886171-Lisa Miller





Brittany Herricks

Loan Officer



 NMLS #2054226-Brittany Jo Herricks


Marina Salamonski


Marina Salamonski

Loan Officer



 NMLS #2546698-Marina Ann Salamonski



What Our Members Are Saying


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.

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 learn more.

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