HOME LOANS & EQUITY

Transforming member-owners into happy homeowners.

couple in kitchen.couple in kitchen.

Your home is where our heart is.

Upgrading or downsizing, just starting out or in the market to build — wherever you are in life, your mortgage loan has to fit your budget and plans for the future. We’ll find a way to get you there with local personalized service and financing options.

How can we help you feel at home?

Whatever your plans are, we’ll find a way.

Coverage for everything inside and out.

Your home is important, so is your home’s insurance. The Community First Insurance Center offers member-owners like you exclusive rates on protection for your home and most treasured belongings. Plus, when you combine your home and auto insurance, you could save even more.


Request an Insurance Quote
home insurance coverage
 

Let’s figure this out together.

Try our helpful home loan calculators and if you still have questions, just give us a call or stop by.

 
 
This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that Community First Credit Union assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

Making you feel right at home.

When you find the perfect place to call home, you want to do whatever it takes to make it yours. So do we. Our local team of mortgage experts will be with you every step – starting with simple pre-qualification all the way to flexible financing and convenient closings.

Your journey to homeownership starts today.

Online, over the phone or in person. No matter what route you take, see us before you start your search. We’ll get settled in with:

pre-approval

Easy pre-qualification
Put in a confident offer whenever you find the right home


expert guidance

Expert guidance
By your side the entire time – from application to closing


local turnaround

Quick, local turnaround
Everyone you’ll work with is from right here in NE Wisconsin


no closing costs

Minimum or no closing costs
Plus, options for bi-weekly or extra payments to save money


The right options to fit your situation.

Fixed Rate
Mortgages

Adjustable
Rate Mortgages

Balloon
Mortgages

100% Financing Mortgages

Offer payment stability over a long term. Ideal if you plan to be in same location for a while.

Learn More
Flexible option for lower rates. A good fit if you plan to move after a few years.

Learn More
Give you the chance to lock in typically lower rates.

Learn More
Great option if you are looking for no down payment options.

Learn More




See Today's Rates

Solutions for first-time home buyers.

Your first home is a big deal – both financially and emotionally. We have options for you to become a homeowner sooner with low to no down payment. Plus, we’ll be with you every step to provide answers and make the experience less stressful and more joyful.


Let's Get Started Today
happy couple outside of home
 

How much home can you afford?

Answer this question and more with our helpful home loan calculators. If you still have questions, just give us a call or stop by.

 
 
This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that Community First Credit Union assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

Let’s get you moving into your new home.

Apply Online    apply online or visit us   Visit Us
 

You can also call us at (920) 830-7200 during business hours.

Open the door to opportunities.

Maybe you’re looking for money for home improvements or other large purchases. Maybe your goal is to lower your monthly payment or become mortgage free sooner. The good news is our local home loan experts can help unlock the possibilities that the equity in your home can provide you.

Use your equity to your benefit.

You’ve worked hard to build equity in your home. Take advantage of it by:


You can be mortgage-free sooner.

The Community First 10 & Done Home Loan allows you to tap into your home’s equity or pay off your mortgage faster giving you more freedom. Freedom to retire, freedom to travel, freedom to spend more on all the things you love. Plus, it’s easier and more affordable than you think!

  • No application fees or escrow requirements

  • No prepayment penalties

  • Pay less interest with bi-weekly payments

  • Receive our helpful, local service for the life of your loan

couple sitting outside of home.
10 & Done Home Loan
TypeTermAPR1 (as low as)Monthly Payment2
10 & Done Home Loan10 years2.75$9.54

Looking for a longer or shorter term?

Choose from additional products with 6-year to 30-year term options.


Compare the benefits of a Home Equity Loan or Line.

Home Equity Fixed Rate Loan

kitchen remodeling


Perfect for making a single large purchase or debt consolidation.

  • Low fixed rate locked in for 6 years with the option to amortize payments up to 30 years

  • ​Consistent monthly payments with bi-weekly payment options to save you thousands of dollars in interest

  • Home Equity Loans qualify for loan discounts when you have your checking with us

Home Equity Line of Credit (HELOC)

lady painting

Perfect for ongoing purchases. No annual fee or need to re-apply each time – enjoy easy access to funds for up to 10 years. Choose the method that works for you:

  • Traditional – Transfer money as needed using Online Banking, by calling or visiting a branch

  • Visa® HELOC Card – Make purchases online or at any retailer that accepts Visa. Need cash? Use your card at any Community First ATM for no fee

    (NOTE: Other locations may charge fees).

Home Equity Loan Rate
TypeTermAPR1 (as low as)Monthly Payment2
Home Equity Loan6 years2.50$3.95
Home Equity Line of Credit
TypeTermAPR1 (as low as)Monthly Payment2
Line of Credit 3up to 10 year draw period4.00$15.00
homeowners express.

Looking for cash without using your equity?

With a Homeowners Xpress Loan, you can get up to $30,000 with without equity, closing costs or appraisals.


See how refinancing your current mortgage can save you money.

We will help you find the right mortgage for a better rate, lower payment, shorter term or to get money back - you decide!


Learn More    learn more or apply now.   Apply Now
 


Is it time to refinance?

Answer this question and more with our helpful home loan calculators. If you still have questions, just give us a call or stop by.

 
 
This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that Community First Credit Union assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.


Let’s unlock the money in your home.

Apply Online    apply online or visit us   Visit Us
 

You can also call us at (920) 830-7200 during business hours.

Building on your inspiration.

You’ve found the picture-perfect land. Picked out the floor plan that speaks to your needs. When it’s time to turn your inspired idea into an inviting home or secure the perfect retreat from home, we’ll find a way.

 


One-Step Construction Loans

There's enough to keep you busy while you're planning and building. We do everything we can so the financing is the least of your concerns.

easy application

Free pre-qualification
Understand the process and costs before breaking ground


get started.

Convenient access to funds
Get started with as little as 5% down and a few pieces of information


range of choices.

Easy process
One application, one appraisal and one closing makes it simple


bi-weekly option.

Interest only payments
Convert to your choice of financing once your home is complete


 


How much home can you afford?

Find the answer with our informative calculators. Then, if you still have questions, just give us a call or stop by.

 
 
This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that Community First Credit Union assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.



Let’s get you building.


You can also call us at (920) 830-7200 during business hours.

Do you have more questions about homes loans and equity?