Mortgage Loans

Financing a home can be overwhelming.  That's why at WCCU Credit Union, our experienced home lenders are with you every step of the way.  Whether you're buying, building, refinancing or improving your exisiting home - we will be happy to sit down with you and explain your options so that you can select a program that best meets your needs.  Contact our mortgage department today by calling any of our offices and we will be happy to assist you!

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WCCU offers a wide range of first mortgage loans at attractive rates. Let us help you determine which mortgage will best meet your needs.

• First and Second Mortgages. Many terms and options available.
• Fixed Rate that is serviced right here at WCCU!
• ARM (Adjustable Rate).
• Construction Loans.
• GRH (Guaranteed Rural Housing).

Fixed Rate Mortgages

The interest rate is locked in for the term of the loan, so you'll know what your payment will be for easier budgeting. Choosing a fixed rate mortgage loan is often the route to go when you are entering into a long-term commitment with a property. This means that you know you've got more time to pay off a loan. Many rates and terms are available. You can choose a longer term loan and have a smaller monthly payments. Or perhaps you would prefer a shorter term loan and make larger payments, which means you pay less overall interest.

Guaranteed Rural Housing (GRH)

100% financing available for first time home buyers. Income guidelines apply.

Construction Loans

We realize the importance of your time, especially when you are dealing with builders and contractors during construction. They often require payment before your home is completed. WCCU offers options that keep your budget in line and your construction schedule on time.

Vacant Lot Loans

WCCU will assist you in planning for the future. Competitive interest rates and low closing fees will save you money that you can invest in your next step -- construction!

Home Equity Line of Credit (HELOC)

You can get a line of credit loan that you use as needed. Use your home's equity (it's value less any outstanding mortgages) to borrow for any purpose, such as home improvements, education expenses, medical expense, a new car, a vacation, a boat, or to consolidate bills into one low payment.

You only pay interest on the portion you use and the interest may be tax deductible. (Be sure to first consult with your tax advisor.)

Home Improvement Loans

Now is a great time to increase the value of your home. Or perhaps you want the additional living space a new room would add. Whether it be siding, roofing, windows, or landscaping - WCCU will work with you so you get a loan with a payment and interest rate you can live with.