Mortgage & Refinance

We'll roll out the 'Welcome' mat for you

You've scouted neighborhoods, counted bedrooms, looked closely at closet space - and you've made your choice. Or maybe you are living now in your dream home but are looking to refinance it for a lower term or rate. WCCU has the expertise to help! At WCCU, our Mortgage Lending team can help you choose a loan that fits your financial needs.

• Fixed-rate mortgages: Choose repayment periods of 15, 20 or 30 years. With stable monthly payments, you'll find it easier to plan your financial future.
• Adjustable-rate mortgages: Lower initial payments can help you afford a little more house or give you more money for furniture and fix-up projects.
• Refi Home Loan: Shorten your term or lower your payment and pay no closing costs, points or application fees. Click here to learn more.
• Jumbo loans: Buying a bigger house or relocating to a really nice neighborhood? If you need to borrow more than $647,200, we can make that happen.
• FHA Loans: Down payments as low as 3.5% and relaxed credit guidelines make the American dream more affordable for many buyers.
• VA Loans: Active duty military, veterans and reservists can borrow at low rates without making any down payment.
• USDA Housing Loans: 100% financing is available to buyers who want to live in rural areas or certain suburbs.
• First-Time Homebuyer Programs: Apply for a fixed-rate or adjustable-rate loan and qualify for special rates.