The right mortgage can be the key to happy homeownership

CU Mortgage Service has all of the loan options you need under one roof! We can help you buy your first home, make your next move, or simply refinance your current mortgage. From conventional mortgages to special loan programs, our loan officers can help you select the best loan option to finance your primary residence, second home, or investment properties of up to four units.

If you are buying a home, a free Loan Pre-qualification from CU Mortgage Service can help your home buying process run smoothly. Getting pre-qualified for a mortgage gives you an idea of how much of a monthly payment you can comfortably afford. It can also give you a big advantage in your house hunt. You will know which homes are in your price range, and strengthen your negotiating position with the seller. Contact Us today for your pre-qualification.

  • Construction to Permanent
    This single-closing mortgage requires the borrower to pay interim construction financing on an interest-only basis during the construction phase of up to 12-months. The loan then converts to permanent financing after a required reverification of employment. Its construction and permanent financing in one mortgage!

  • Conventional
    Conventional mortgages typically offer better interest rates compared to other types of loans, terms from 10 to 30 years, as well as accommodative down payment options. These loans are generally for borrowers with established credit history and a higher credit score.

  • Extended Rate Lock
    Building a new home is an exciting decision! Our Extended Rate Lock loan program lets you enjoy the process without having to worry about loan rate changes during your home’s construction. Take advantage of today’s rates without fear of missing a better one.

  • FHA
    Backed by the government and insured by the Federal Housing Administration (FHA), these loans are designed for low-to-moderate-income borrowers. Compared to many conventional loans, they require a lower minimum down payment and accept lower credit scores.

  • First Home
    Buying your first home is a big step. Our First-Time Homebuyer program can help you start enjoying the benefits of homeownership without feeling overwhelmed. Go ahead…take that step. We are here to help your mortgage loan process go as quick and stress-free as possible.

  • First Responders & Educators
    Your commitment and dedication to our community is greatly appreciated! That is why we offer all doctors, nurses, police, firefighters and teachers a special program to add greater value to their home loan. It is our way of saying thank you.

  • USDA
    Guaranteed by the United States Department of Agriculture (USDA), these loans can help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare home sites. No down payment is typically required and interest rates are lower than other loan options.

  • VA Loans
    Backed by the government through the Department of Veterans Affairs (VA), these loans offer special benefits to eligible service members, veterans and their surviving spouses when purchasing a home or refinancing one. For those who qualify, a VA loan does not require a down payment or monthly mortgage insurance. They also offer lower interest rates compared to other mortgage loan options with similar terms.

We can help you find the right mortgage for your needs!

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