Home Loans
The moment you walk in the door, you’ll know: this is where you belong.
When you find your home, you’ll know. You’ll picture yourself reading in the snug corner over there, or children playing in that big back yard. You’ll imagine the gatherings you’ll host, the wonderful memories you’ll make.
This place isn’t just a house. It’s where you belong.
We want you to feel the same way about BCU.
We know that home buying is an emotional experience; one that can be overwhelming at times. That’s why we offer a variety of home loans to meet your individual needs, and a streamlined loan process that makes getting approved – and into your home – easier than ever.
You can take advantage of our wide range of fixed-rate and adjustable-rate home loans. We have programs and terms to meet your individual needs.
In addition to our traditional home loan options. We have a variety of specialty home loan products which include:
Interest Only
Are you looking for lower monthly payments in the first years of your home loan? With an InterestFirst home loan, you pay only the interest, taxes, and insurance in the beginning years of your home loan, which means lower monthly payments. And, because the monthly payments are lower, you may qualify for a larger home loan amount.
Flexible 97
Ideal for borrowers who have good credit but limited funds for a down payment or closing costs.
Piggyback Loans
This option lets you avoid paying home loan insurance, even if you don’t have 20% to put down. You can finance up to 80% of the purchase price with a first home loan and the remaining balance with a second home loan of up to 17%. (minimum 3% down payment required)
Bridge Loans
Found the home of your dreams, but haven’t sold your existing one? With a bridge loan, you can make an offer free from contingencies – which gives you more negotiating power with the seller.
We know you’ll find the right home. Let us help you find the right home loan.
Get Information and Get Pre-Approved at Our Online Home Center
Getting Information
How much house can you afford? What are the current rates? And how much will monthly payments be on homes you’re considering? You’ll find this information and more at BCU’s online Home Resource Center. It offers:
- The latest home loan rates by area and property
- Convenient calculators to help you determine your price range and monthly payments
- Information to help you determine which type of loan is right for you
- A step-by-step guide that leads you through the process and keeps track of your progress
Getting Pre-Approved
Get pre-approved before you shop, and you'll have tremendous negotiating power. Sellers will know you're serious about buying, and that once you make an offer, you won't have to wait for approval: so they may be more likely to accept your offer. Being pre-approved can also give you an edge when competing with another buyer.
Getting pre-approved is easy. Just complete the simple online application at our Home Center, and one of our knowledgeable home loan associates will contact you within one business day.
