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Routing Number: 271975566

Mortgage Loans

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. With rates still historically low, now is the perfect opportunity to make your home buying dreams come true. Start your application online today.

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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

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Four steps to get ready

Okay so you are ready to take the step. What should you do first? Start the mortgage application process...

  1. Assemble all the paperwork
  2. Get pre-approval letters
  3. Get loan estimates
  4. Get your down payment ready

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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.

As little as 30-day closing for purchases1

As little as 45-day closing for refinances1

1 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 and an average of 45 to 60 days for a mortgage refinance. 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.

What could be sweeter than an ECU mortgage? We think some closing cost specials on conventional mortgages. Let us get you into your new home.

Loan AmountAvailable Discounts
$250,000No closing costs
$150,000 - $249,999$250 Discount and appraisal cost refundable if first-time home buyer
Under $150,000None

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.

Apply for a Loan View Loan Rates

5, 7, 10 Year Terms

and low closing costs**

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*APR=Annual Percentage Rate. APR as low as 4.3618% based on loan amount of $50,000 for 60 month term with a monthly payment of $929.02 and closing cost included. Your rate will be based on the number of years your loan is financed and your individual credit history under our personal credit program. Closing costs based on term selected. Property taxes and hazard insurance are not included. Loan must be in first lien position. Maximum loan to value is 80%. Subject property must be primary residence.

On the fence about refinancing?

If you've contemplated refinancing, now is the time.  ECU offers flexible terms combined with low loan rates. 

Refinancing Benefits:

  • Lowering your monthly payment may mean more money in your pocket
  • Own your home faster
  • Cash out and use the cash for anything you need. 

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Happy Man and Woman

Why choose Earthmover?

Earthmover Credit Union has been a part of the community for over 60 years. Our philosophy is "People Helping People" and we pride ourselves on helping you earn higher returns on savings accounts while saving you money on loan rates and service fees. As a not-for-profit financial cooperative, we work hard to provide the very best member service in the community. We hope you consider becoming a member and owner of Earthmover Credit Union!

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