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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.
Related
- Home Buying 101
Start here whether you're buying your first, second, or retirement home. - Building
Learn about Construction Loans, costs, and regulations. - Preparation: Buying
Prepare for buying a home with these tips and resources. - First-Time Home Buyer
Know where to start when buying your first home. - Preparation: Selling
Get your home ready to sell with tips and resources.
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!
While You Shop!
Smart Lock lets you lock your rate for 90 days even before you find a home.
See Special OffersLow-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.
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!
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.
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.
CEFCU NMLS ID #407798
Resources