Mortgages, Helocs, and More at CECU
Turn your house into infinite possibilities.
Your home is likely your largest investment. Whether you are buying your first house or tapping into the equity of your current one, we are here to guide you from pre-qualification to closing.
Mortgage Solutions
Tailored paths to your front door. We offer competitive rates and low closing costs because we're member-owned.
Conventional Home Mortgage Loans
Your largest single life investment is the purchase of a home. Whatever home you decide to buy, we can help you with a home mortgage loan. Our rates are great and our mortgage professionals are even better at matching your needs, from pre-qualification to closing. We offer both fixed and variable rates with terms from ten to twenty years.
Great Rates
Low Closing Costs
Financing up to 80% of Purchase Price or Appraisal Value
Expert Advice
Use our Loan Calculator to estimate your monthly payment. A great rule of thumb is to aim for a payment that fits within one week of your take-home pay.
When you're ready, give our local loan officers a call. We’ll help you through the process of getting started.
Leverage Your Home's Equity
Put your home’s value to work for home improvements, tuition, or debt consolidation. Both options feature zero closing costs.
HELOC
Home Equity Line of Credit
Flexibility: Draw against your limit for five years in-person or via our Home Equity share account.
Interest-Only Payments: During the draw period, you are only required to pay the interest due.
Fixed-Rate Loan
Fixed-Rate Home Equity Loan
Stability: A fixed rate with terms up to 15 years—perfect for refinancing or major renovations.
LTV Options: Borrow up to 80% Loan-to-Value.
Calculate your monthly payment.
Get an estimate of what your monthly payments could be based on current rates and terms.
Estimated Monthly Payment*
Principal and interest Only
*Calculator is for estimation purposes only. Actual rates and payments may vary based on creditworthiness and other factors.
Requirements & What You'll Need
To expedite your application, please ensure the property is your primary residence, you are listed on the title, and the property is free of tax liens.
Please have the following ready:
Current deeds of existing lien holders.
Verification of income (Current paystubs, W-2, or 2 years of tax returns).
Most recent property tax statement.
Evidence of Homeowners Insurance (CECU must be listed as Mortgagee/Loss Payee).
Ready to get started?
Contact one of our Loan Officers to get started today.
Kerry Lett
Mortgage Loan Officer
NMLS# 637375
Ext. 206
klett@cecuknox.com
"With 30 years in equity lending, I can help you find the hidden value in your property to achieve your dreams."
Tera Morris
Loan Officer
NMLS# 2566558
Ext. 204
tmorris@cecuknox.com
"I love helping families find their first home. My goal is to make the complex feel simple and stress-free."