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Choosing the Best Loan for You

There are many Mortgage options, but we can help you find what fits your needs.

You can click the menu with General, Jumbo, etc. to navigate through the page.

Fixed-Rate Loan

Fixed-rate loans offer terms from 10 to 30 years. You can enjoy peace of mind knowing your principal and interest won't change until you sell or refinance.

Adjustable-Rate Loan

If the question is, "What's the lowest 30-year rate I can get?", then an Adjustable-Rate Mortgage (ARM) is the answer. Consider an ARM if you expect to refinance or move within the next few years.

Bridge Loans

Found a new home but haven't sold your current home yet? A Bridge Loan is a great option for affordable interim financing.

Construction Loans

When you're building a home, CEFCU has loan options so you can lock your rate and pay just one set of closing costs.

Jumbo Loans

Because homes come in all sizes, so do CEFCU Home Loans. Jumbo Loans:

  • Are designed for loans greater than $424,100 in most areas or $636,150 in select high-cost areas.
  • Offer flexible loan terms, including 30-Year Fixed.
  • Are available up to 90% financing.

Let one of our experienced CEFCU Home Loan Representatives help you secure a great deal on your Mortgage!

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While You Shop!

Smart Lock lets you lock your rate for 90 days even before you find a home.

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Low-Down-Payment Options

Buying a home can be easier on your budget. See if you qualify for any of these options.

USDA Rural Housing Guarantee Loan Program

You could buy a home with no down payment. All you have to do is meet income limits and geographic requirements. Even if interest rates rise, you make the same payment.

USDA Eligibility

Flex 97

First-time home buyers can enjoy a low 3 percent down payment and mortgage insurance rates lower than FHA loans. What does that mean for you? A lower monthly payment and more buying power! With lower mortgage insurance rates, you can afford more house for your money. Best of all, you can work with an experienced CEFCU Home Loan Representative who will expertly guide you through the Mortgage process. We are here for you — contact us today!

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Take Five

Buying your first home? If you have a strong credit history, you may qualify for our Take Five program. All you need is a 5 percent down payment.

Take Five Eligibility

Other Programs

Depending on where you live (or, where you want to buy), you may be eligible for low-down-payment programs or grants. Email us to find out what's available.

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Closing Costs

CEFCU may help pay your closing costs — find out more.

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Find home buying resources.

Credit Score

Know what your score is and how to improve it.

Homeowners Insurance

Insure your home now.


Get answers to your questions.


Learn what escrow is.

Private Mortgage Insurance

Learn what it is and how to request cancellation.