The Most Life-Changing Mortgages in Town
Earthmover Credit Union offers great rates and the friendly service of a hometown credit union with the products you’d get at the big banks. We understand that getting a mortgage can seem difficult. Our lending specialists take the time to understand your goals, budget and timeline to get you into your dream home. We offer a variety of programs, like downpayment assistance and first-time buyer discounts. Now is the perfect opportunity to make your home buying dreams come true. Start your application online today or take advantage of 24/7 lending on your phone.
Special Offers
Purchase today, refinance later
Purchase your home with us and have peace of mind that you can refinance later; in fact, as early as four months after you close on your home. Plus, you will receive a $1,000 closing cost discount. 1
Military veteran discount
We thank you for your service! We do not charge origination fees on any VA loan, and we reimburse the appraisal cost on VA purchase loans2.
First-time homebuyer discounts
Earthmover will reimburse appraisal costs for all first-time homebuyers!3
Down payment assistance
We've partnered with FHLBank of Chicago's Downpayment Plus Program (DPP®). This program offers down payment and closing cost assistance for income-eligible homebuyers. In some cases, this can be up to $10,000.
(1) To be eligible, purchase loan must close on or before 5/31/2026. Option to refinance must take place no earlier than 4 months and no later than 18 months from the closing date of initial mortgage loan. Future refinance must be a no cash-out refinance and must qualify based on a complete analysis of your credit, income and property value. Conventional financing only. New loan amount must be a minimum of $125,000 and new interest rate must be at least 1% lower than your current loan rate. Cannot be combined with any other offers and other restrictions or conditions may apply.
(2) Origination fee does not apply to points charged to borrower to "buy-down" the interest rate on the loan; reimbursement of appraisal cost not to exceed $460.
(3) First-time homebuyer is defined as no homeownership within the past 3+ years; reimbursement of appraisal cost not to exceed $460; minimum loan amount of $150,000 required and cannot be combined with any other offers.
Get a better mortgage
Our lending specialists will move mountains to find you the right loan. They’ll take the time to understand your goals and make sure your loan is customized to your needs.
Our mortgages feature:
- Fixed and adjustable-rate loans
- Terms from 5 to 30 years
- Low down payment options
- Variety of mortgage programs including VA, FHA and USDA
Convenience + Options
Our lending specialists take the time to understand your goals and budget—allowing you to settle into your new home in a fraction of the time compared to big-box lenders. In addition to fixed-rate and adjustable-rate mortgages, we also provide Veterans Affairs (VA) loans, Federal Housing Administration (FHA) loans and United States Department of Agriculture (USDA) loans.
- Close in as little as 30 days!4
(4) From the date Earthmover CU receives complete, signed loan application through date of closing, the mortgage process can take as little as 30 days for a home purchase. The timelines quoted are contingent upon: (1) borrower providing all requested documents and information by the date(s) stipulated; (2) availability of appraiser to conduct on-site appraisal, if one is necessary; and, (3) available schedule of Earthmover CU loan processors and underwriters.
Four steps to get ready
Okay, so you are ready to take the next step. What should you do first? Start the mortgage application process...
- Assemble all the paperwork
- Apply online for the loan
- Receive your preapproval letter
- Start shopping with your realtor!
Refinance Your High Rate Mortgage Loan
There are many great reasons to refinance your mortgage. Refinancing your mortgage can lower your monthly payments, cut your interest rate and more. Our low closing costs include appraisal, application, title and other assets so there are no extra costs for you. Refinancing can be a smart way to increase your savings today. Let us lower your rate and payment so you can put more cash into your pocket. To start the refinance process, simply apply online.
Close in as little as 45 days for refinances5!
5 From the date Earthmover CU receives complete, signed loan application through date of closing, the mortgage refinance process takes an average of 45 to 60 days. The timelines quoted are contingent upon: (1) borrower providing all requested documents and information by the date(s) stipulated; (2) availability of appraiser to conduct on-site appraisal, if one is necessary; and, (3) available schedule of Earthmover CU loan processors and underwriters.
On the fence about refinancing?
If you've contemplated refinancing, now is the time. ECU offers flexible terms combined with low loan rates.
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