Home Buyers Guide

Special Mortgage Relationship Pricing

0.125% Interest Rate Discount¹ on Home Purchases!

We can help you get the money you need for the home you deserve, while helping you pay less money over the life of the loan. The best part? You’ll work with our experienced mortgage originators from the moment you start your application to your last loan payment. Whether you’re a new or existing CCU member, you could receive a lower interest rate on your mortgage just by meeting these requirements:

-  New or Existing CCU Visa^® Credit Card or New OR Existing CCU Checking Account
-  Set Up Automatic Mortgage Payments from a CCU Account

Federally insured by NCUA. Membership eligibility required. All accounts verified through ChexSystems. ¹Approval for financing subject to lending guidelines and credit qualifications. Automated monthly transfers of the mortgage payment and a CCU checking account or Visa® credit card are required to receive a rate discount. New money only. Limited time offer.

A Mortgage Option for Everyone.

Home buying is a big deal! Whether you’re buying your first home, relocating, refinancing, or building your dream home, we are here to guide you — every step of the way! Financing is offered in FL, MD¹, NY, NC, and PA.

• Conventional
• Construction/Renovation²
• Adjustable Rate Options
• Low Down Payment Options
• VA (eligible active-duty service members and veterans in NC, NY, PA)
• Vacation/Second Home
• Investment Property²
• Lot Loans²
• Jumbo
  
  

Or call us at 800-677-8506. Prefer to visit us in person? Give us a call to schedule an appointment at one of our branch locations.

Get a Rate that Fits Your Budget

Today's Featured Rates

Determine What You Can Afford - Use our easy rate quote tool to get a quick, accurate, and personalized rate quote.

Rate Watch - Let us track interest rates so that you don't have to!

Before You Buy, Do Your Homework

• Home Buying Resources - Our StraightTalk^® Home Buying Resources explains how to find and buy the best house for your needs and budget.
• Worksheet - What are your wants vs. needs in a house? Be sure to compare these lists to each home you visit!
• Worksheet - Rate the houses that you have visited. Track and compare the features/issues of each house you visit.
• Articles:
  • Purchasing a Home
  • Buying or Refinancing a Home? Tips for Finding the Right Mortgage
  • Home Buying for Empty Nesters
    • Thinking of a new home? Choosing one that fits your present and future needs
    • Buying a retirement home in a specialized community
    • Ensuring That Your Home is Accessible Long-Term
  • Deceptive Mortgage Ads: What They Say; What They Leave Out - From the Federal Trade Commission
• Calculators:
  • How much would my monthly payment be?
  • How much can I save with a 15 year mortgage?
  • Can I save money by refinancing now?
  • How quickly can I pay off my mortgage by making additional payments?
  • Does it make sense to pay points to get a lower interest rate?
  • Should I buy a home or continue to rent?
  • Should I consider consolidating my debt with a cash-out refinance?
  • How much of a loan can I qualify for?
• Videos:
  • Attorneys: Gabe and Steve Rossettie tell us why is it important to have attorney representation when buying a home and at what stage a person should get an attorney involved in the home buying process.
    
    
  • Home Inspector: Rick Bates tells us the one thing people are often surprised by during the home inspection process and how someone should look for and choose a home inspector.
    
    
  • Realtor: Michelle Costanza explains the role of a realtor throughout the home buying process and why is it important to have a good relationship with your realtor.
    
    

   

   

¹Maryland residents, please give us a call at 800-677-8506 or email to schedule an appointment by phone to apply.

²Not available through our online application at this time. For more information, or to apply, please give us a call at 800-677-8506 or email us today.