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Home Loan Center
The Perfect Home.
The Right Loan.
We can help bring your homeownership goals to life!
Whether you’re buying or building a home, refinancing, are a first-time homebuyer, or upsizing or downsizing, CEFCU has the perfect loan for you. Better rates, lower fees, local, personal service, and you can count on the CEFCU team to make you comfortable every step of the way.
Plus, we offer CEFCU Smart Lock, which locks your rate, for free, for 90 days while you shop for and buy a home.
Or call us to get started: 1.800.542.3328 or visit one of our CEFCU Member Centers.
CEFCU NMLS ID #407798
Home Buying Tips
Already have a CEFCU Mortgage?
Click below for helpful tips on escrow, insurance, and more!
Mortgage Rates
| Type | Rate | APR footnote 1 | Points |
|---|---|---|---|
| 30 Year Fixed Rate | 6.125% | 6.222% | 0.00 |
| 15 Year Fixed Rate | 5.375% | 5.533% | 0.00 |
| 7/1 ARM - 30 Year Term | 6.250% | 6.491% | 0.00 |
| 7/1 ARM - 15 Year Term | 6.000% | 6.269% | 0.00 |
1. APR calculates automatically based on rate.
What type of mortgage are you seeking?
CEFCU has multiple options to meet your homebuying needs, including:
Refinance
Lower your payment, reduce your rate, obtain cash-out, or refinance from another lender.
Or contact a Home Loan
Originator at 1.800.542.3328 ext. 33424
Lock Your Rate with Smart Lock!
Preapprove with CEFCU, and lock your rate while you shop footnote 2 — for up to 90 days, and no fee! footnote 3
CEFCU Smart Lock lets you lock your rate for up to 90 days — just complete a preapproval application!
Enjoy peace of mind while you find your dream home. With Smart Lock, your interest rate will be locked, even if rates go up, when you preapprove.
- Smart Lock is available for Mortgages used for the purchase of a primary or secondary residence.
- Enjoy no upfront fee! Once you find a home, a $350 application fee will be collected and credited toward your closing costs.
First-Time Homebuyers
Check out how we save you money!
Save on Closing Costs
Last year, our members saved from $625 to more than $1,000 with our Closing Cost program. For a limited time, you can save, too!
CEFCU will pay select third-party closing fees on Mortgages for first-time home buyers or those who haven't owned a home for the last three years.
There are just three things you need at the time you apply for your CEFCU Home Loan:
- Be a CEFCU member in good standing.
- Have an open CEFCU Checking account.
- Be purchasing or constructing a home for use as a primary residence.
Offer available for a limited time for qualified members in good standing who use a CEFCU Checking account and are purchasing or building their first home or haven't owned a home in the last three years. Select, third-party fees paid by CEFCU include: Appraisal, credit report, flood determination, tax service fee, title company closing fee, and recording fee. Fees CEFCU will not cover and which must be paid include, but are not limited to: Taxes, private mortgage insurance (PMI), prepaid mortgage interest and/or insurance costs, jumbo or discount points, attorney or title company fees not listed above, any interest rate relock fees. Offer is not available for loans used to purchase a second home, investment home, or non-owner-occupied home or to refinance or modify an existing loan. Contact CEFCU for complete details.
Why CEFCU?
Members are our No. 1 priority
Since our start in 1937, we’ve believed in an open, honest approach to helping you handle your money. Today, that includes better loan rates, fewer fees, Extraordinary Dividends, personal benefits, and more.
And throughout your homebuying process, you’ll get personal service — on your schedule — from the application to the appraisal, to the loan closing, to the last payment. Let’s start the journey together.
Member's say it best — and share their CEFCU stories
Member Story – Buying My First Home
Member Story – First Time Home Buying is Easy with CEFCU
Already have a CEFCU Mortgage?
Here are some helpful resources:
Would You Be Covered for Total Loss?
Disasters can happen to anyone at any time. Unfortunately, some outdated presumptions and ideas about insurance coverage could put you in a serious financial bind if you experience a loss.
According to The Insurance Information Institute (III.org), studies indicate:
- Nearly 50% of all U.S. homeowners believe the insured value and market value of their home are linked and equal — which is false; they are different. The insured value should be replacement cost; what it would cost to totally replace your home and belongings.
- Over 60% of homes in the U.S. are likely under insured — many by roughly 20%, some even higher.
How about you? If your home were totally destroyed, are you confident you’re covered to:
- Completely rebuild your home
- Replace all your belongings
- Pay for temporary living expenses while your home is rebuilt?
There will never be a better time to check your coverage than right now — before you need it. So, contact your insurance agent and review the topics mentioned above. In addition:
- Be sure to check on your policy and make sure you understand all of your insurance options. Taking the time to ask questions and make informed insurance decisions can provide important financial protection. Then, review your policy again every 18-24 months.
- Check whether your homeowners policy includes protection from floods. Certain types of water damage are covered differently. For example, water that comes from the top down (like a damaged roof that allows water to get in, or a burst pipe) is generally covered differently than water that comes from the bottom up (such as an overflowing stream caused by melting snow). Drain and sewer back-up is also covered differently.
- Create a home inventory. Documenting the contents of your home will help you buy the right amount of coverage, and can also be useful if you encounter a loss.
Rates listed on this page are only a selection and do not represent all rates, terms and products available. Additional rates, terms, and products that suit your particular need may be available.