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Lock Your Rate!
Lock your Home Loan interest rate — even while you're shopping for a home. CEFCU's Smart Lock lets you lock your rate on an existing home for 90 days. All you have to do is:
- Apply for preapproval.
- Pay a non-refundable $350 application fee (applied to your closing costs).
- Close on your new home within 90 days.
If rates go down between application and closing, you can re-lock for just a $350 fee.
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 Home Loans 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.