See how your property taxes may adjust with this PROPERTY TAX ESTIMATOR from the Department of Treasury.

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Home Financing EDUCATION

Welcome to your Credit Union’s Mortgage Center. Whether you are buying or refinancing a home, we are here to answer any questions or concerns you may have. If you have a question, please contact one of our experienced loan officers at (888) 562-6865. They are available to answer any of your questions Monday, Tuesday and Wednesday 8:30 am to 6:30 pm and Thursday and Friday 8:30 am to 5:00 pm.

 

Benefits of Mortgage Center

Mortgage Center LC is a Credit Union Service Organization (CUSO) that is completely owned by Credit Unions for the benefit of Credit Union members. Learn more.

 

Are You Ready to Buy or Refinance a Home?

The Financial Industry has undergone some major changes. As a result of these changes, the mortgage process you went through the last time around is no longer the same. Mortgage Center is here to help! Learn more.

 

Every Penny Counts

Whether purchasing or refinancing a home, we must verify that you have enough cash to meet the down payment requirements, required reserves, and other costs associated with your mortgage. In addition, the money you have saved must come from acceptable sources. Learn more.

 

Your Credit History Counts

When considering your mortgage application we will review your credit report. We will consider how much debt you have and how well you repay your obligations. Learn more.

 

Using a Gift to Finance a Home

Gift funds may be used towards closing costs, but there are guidelines on how to use them. Learn more.

 

 

What Happens Next?

You're ready to apply for a mortgage, and maybe even have talked to a Loan Officer. What now? This document describes what your next steps will be, what documents you'll need to provide and what the loan process is like. Learn more.

 

Conventional Loan Timeline

Follow your loan application as it travels along the path to the closing table. Learn more.

 

 

The Importance of a Property Inspection

No homeowner wants to be unpleasantly surprised to discover that their newly-purchased dream home has major problems.
An objective property inspection is a “must” in the home buying process. Learn more.

 

Understanding Home Appraisals

An appraiser is a state licensed professional who provides an unbiased opinion of value to be used in making real estate decisions. Learn more.

 

 

What Should My Real Estate Agent Know?

The mortgage industry has undergone an unprecedented number of changes over the past several years, and we must follow strict property guidelines that may affect your mortgage. This document provides tips for a smooth transaction. Learn more.

 

 

Monthly Budget Worksheet

Our new interactive Monthly Budget Worksheet gives you an indication of your financial health and readiness to purchase a home. Once you input basic information, the worksheet automatically calculates your debt-to-income ratio and compares your housing expenses with your income. It considers your overall debt, income and monthly expenses to give you an idea of where your money goes each month.