Home Financing

Turn Your Home Dreams Into a Reality

Whether you’re shopping for your first home or you’re doing some renovating, FFCCU offers home loans that can help. And because we’re a not-for-profit financial co-op, we’re able to offer great rates and low fees on these home financing options. Our team provides customized lending solutions that are right for you. For years, we’ve provided mortgages that have financed or help to refinance, members’ homes. Home Equity Loans have been given to not only make home improvements but also help members consolidate debt, finance education or allow them to take a well-deserved vacation.

Let FFCCU find the home financing solution that’s right for you. Learn more about home loan options.


Which Home Loan Option is Right For You?

Type of LoanThis may be the right option for you if:
MortgageYou are a first time home-buyer or want to lower your existing mortgage payment.
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Fixed Rate Home Equity LoanYou’ve built up equity in your current home and want to use that equity to borrow for something new at a fixed interest rate.
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Home Equity Line of CreditYou have equity in your home, and want a flexible option to borrow money as you need it, and you don’t mind having an interest rate that varies over time.
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*Calculations are based on a $250,000 purchase with 20% cash down, resulting in the financing of $200,000. APRs reflect fees of $4,500 and terms described above (30, 20, 15, and 10-year fixed-rate conventional loans). Monthly payment does not include taxes and insurance premiums. The actual payment amount will be greater. Payment assumes a loan-to-value (LTV) of 80%. All rates and estimates listed are based on qualifying credit. Rates and payments may be higher depending on credit score or other factors pertaining to credit-worthiness.

Still Not Sure Where to Begin?

Check out our home loan calculators to figure out the right next step for you, or contact a teammate today and we’ll gladly walk you through your options.