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.
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
Four steps to get ready
Okay so you are ready to take the step. What should you do first? Start the mortgage application process...
- Assemble all the paperwork
- Get pre-approval letters
- Get loan estimates
- Get your down payment ready
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.
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.
and low closing costs**
*APR=Annual Percentage Rate. APR as low as 6.73% based on loan amount of $100,000 for 60 month term with a monthly payment of $1496.18 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 85%. 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.
- 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.
Estimate your loan payment
Understand your options, resources, and steps to take to work with your lender for mortgage relief.
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