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Low-Rate Home Loans

Living & Loving Happens Here! Low-Rate Home Loans - Appraisal Fee Waived up to $600* Terms and Conditions apply.

3.83% APR1
5/5 Adjustable Rate Mortgage2
30-Year Amortization

3.75% APR1
Home Equity Line of Credit3

Home is a place to relax, work, create memories, share laughs, and to just be still and pray. It’s a place where living and loving happens day in and day out.

At Christian Community Credit Union Home, our heart is to serve you so you thrive! Whether you’re looking to buy a new home, refinance the one you’re in, or have home improvement plans, our mortgage experts are ready to help you find the right home loan solution.

Offering competitive rates, financing your home loan or home improvement project is just clicks away. PLUS, for a limited-time, we’re waiving appraisal fees up to $600* on home loans and HELOC. 

  • Adjustable & Fixed-Rate Mortgages
  • 3% & 5% down payment options
  • Home Equity Line of Credit (HELOC)
Take advantage and apply today!

Apply Online   |   View Rates

View Terms and Conditions

1. APR=Annual percentage rate. Rate and terms effective 05/27/2022 and are subject to change without notice.
2, For Adjustable Rate Mortgages: 5/6 Adjustable Rate is a 30-year amortization. After the initial fixed rate period has expired, the applicable interest rate and monthly payments will be adjusted annually based upon movements of an interest rate index. The amount of the initial monthly payments is based on an interest rate which may be less than the sum of the current index plus margin. Based on current market conditions, the fully indexed rate (once adjusted) is calculated by combining the margin and associated mortgage index.
3. For Home Equity Line of Credit (HELOC): 3.75% APR reflects the 1/4% discount if your mortgage/1st Trust Deed is with Christian Community Credit Union. The rate is variable and is based on The Wall Street Journal Prime Rate plus a margin that is based on your credit score and the ratio of your mortgage loan balance to your home value, known as your loan-to-value (LTV). The rate is adjustable monthly with rates as low as an annual percentage rate of 3.75% and a maximum annual percentage rate of 18.00%. Not available in Texas. Current property insurance is required. Transfer tax may be applicable in certain states and is the borrower’s responsibility to pay at closing. 
New purchase money maximum loan-to-value (LTV) ratio is 97%. Private Mortgage Insurance (PMI) is required on loans over 80% LTV. For refinance loans with cash out, the maximum loan-to-value ratio is 90% (PMI required) based on appraised value.
A $25 one-time membership fee applies if you do not have a deposit account at Christian Community Credit Union. Fee will be waived if you have a deposit account or you open one within 30 days of loan approval. Visit
*Appraisal fee waived offer valid 03/01/22 through 05/31/22. Applies to 1st Trust Deed and Home Equity Line of Credit (HELOC) loans only. $250 waived for loans up to $200,000; $400 waived for loans between $200,001 to $400,000; $600 waived for loans over $400,000.

NMLS Loan Originator ID:  504297

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