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Lock Your Rate!
Preapprove with CEFCU, and lock your rate while you shop* — for up to 90 days, and no fee!**
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.
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.