Mortgage Options

Your credit union is here to help when it comes to finding the perfect home or financing your improvements. Whether you’re purchasing your first house, searching for a place with more room, or looking to refinance your existing mortgage, your credit union wants to help you find a solution.

• Purchase or refinance
• Government-backed loans
• Minimal down payment options
• Realtor services with exclusive discounts

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The HarmonyLoan™

Partnering with your credit union for your mortgage loan needs has an added benefit! Your mortgage loan may be eligible for the HarmonyLoan™. This exciting benefit provides you with greater financial security in an ever-changing real-estate market. Whether you have a fixed-rate or an Adjustable Rate Mortgage (ARM), this benefit allows you to initiate interest rate adjustments with just a click of your mouse.

Benefits of the HarmonyLoan™ on Your Mortgage

• First-Rate Adjustment: You must wait 6 months after closing on your mortgage before you can lower your interest rate for the first time.
• Frequency of Adjustments: After the initial 6 months, you can lower your rate as often as every 120 days.
• Loan Status Requirements: Your loan must be current, with no late payments in the past 12 months.
• Minimum Rate Reduction: To qualify for a rate reduction, the new rate must be at least 0.25% lower than your current rate.
• No Refinance Needed: You don’t need to refinance your mortgage, which means no new closing costs, points, appraisals, underwriting, credit checks, or additional paperwork.
• Fixed-Rate Loans: If you have a fixed-rate loan, you can lower your rate anytime during the loan term without changing the remaining loan term.
• ARM Loans: If you have an Adjustable Rate Mortgage (ARM), you can lower your rate during the initial fixed-rate period. When you adjust your rate, you get a new fixed period with the updated interest rate.

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