Home Loans Built to Serve your Unique Needs
At Christian Community Credit Union (CCCU), our heart is to serve you so you can thrive! Whether you’re buying, refinancing, or planning home improvements, we can provide you with the right mortgage solution that works with your budget and goals.
HELOC Six-Month Intro Rate1
As low as 3.25% APR*
Home Loan Rates as low as 5.148% APR*
5/5 ARM2
30-year Amortization
SPECIAL OFFER! Appraisal Fee Waived up to $6003
Explore Your Mortgage Options
Home Loans
Whatever your mortgage goal, we offer a wide array of loan solutions that are competitive with flexible term options.
- Fixed-Rate Mortgages
- Adjustable-Rate Mortgages
- 3% & 5% down payment options
Mortgage Refinancing
Lock in a lower interest on your current home loan when you refinance with us. We offer multiple refinancing options that will save you money so you can live your life with more financial freedom!
Home Equity Loans (HELOC)
Take advantage of your home’s buying power with a Home Equity Line of Credit (HELOC). Renovate your home, pay medical bills, or consolidate debt and put your home equity to work for you!
Home Loan Mortgage Calculator
Use our Home Loan Mortgage calculators to find out exactly how much house you can buy! Explore your interest rates, principal payments, and more.
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Terms & Conditions
* APR=Annual percentage rate. Rate and terms effective 09/26/2022 and are subject to change without notice.
1. Home Equity Line of Credit (HELOC): Six months after funding, the rate is variable and 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 3.25% and a maximum annual percentage rate of 18.00%. Minimum loan amount of $25,000; maximum $500,000. Required advance at time of funding is $5,000. Available on new Home Equity Lines of Credit. 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.
2. For Adjustable Rate Mortgages: 5/5 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.
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.
3. Appraisal fee is a limited time offer and subject to change without notice. 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