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Lock Your Rate!
Preapprove with CEFCU, and lock your rate while you shopfootnote 1 — for up to 90 days, and no fee!footnote 2
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.
1. Smart Lock is available for Mortgages used for the purchase of a primary or secondary residence.2. 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 Costsfootnote 3
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.
3. 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.
CEFCU NMLS ID #407798