×
LOGIN
Search for:
Rates
Locations
Contact Us
Join Us
Online Banking Login
CFCU & You
Everyday Banking
Borrowing
Invest & Insure
Business Banking
Search for:
Join Us
CFCU & You
Everyday Banking
Borrowing
Invest & Insure
Business Banking
Contact Us
Rates
Calculators
Locations
Careers
Employee Center
Privacy & Accessibility
Security & Fraud
HOME LOANS & EQUITY
Transforming member-owners into happy homeowners.
Financing Your Home
Home Buying
Refinancing & Equity
Construction & Land
Financing Your Home
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.
Apply Now
How can we help you feel at home?
Whatever your plans are, we’ll find a way.
Make a purchase.
Refinance and save.
Tap into your equity.
Buy land and build.
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
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
.
Calculate a Mortgage Payment
Debt-to-Income Calculator
Home Affordability
More Calculators Here
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.
Home Buying
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.
Apply Now
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:
Easy pre-qualification
Put in a confident offer whenever you find the right home
Expert guidance
By your side the entire time – from application to closing
Quick, local turnaround
Everyone you’ll work with is from right here in NE Wisconsin
Low 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
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
.
Calculate a Mortgage Payment
Rent or Buy?
Compare a Bi-Weekly Mortgage to a Monthly Mortgage
More Calculators Here
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
Visit Us
You can also call us at
920.830.7200
during
business hours
.
Refinancing & Equity
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.
Apply Now
Use your equity to your benefit.
You’ve worked hard to build equity in your home. Take advantage of it by:
Paying down your mortgage sooner.
Refinancing to lower your monthly payment.
Getting cash out to use for anything.
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 escrow requirements
No prepayment penalties
Pay less interest with bi-weekly payments
Receive our helpful, local service for the life of your loan
Loading...
10 & Done Home Loan
Term
Note Rate (as low as)
APR
1
(as low as)
Monthly Payment
2
10 years
2.375
2.420
$9.37
Looking for a longer or shorter term?
Choose from additional products with 6-year to 30-year term options.
See Today's Rates
Compare the benefits of a Home Equity Loan or Line.
Home Equity Fixed Rate Loan
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)
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).
Loading...
Home Equity Loan
Term
Note Rate (as low as)
APR
1
(as low as)
Monthly Payment
2
6 years
2.500
2.570
$3.95
Loading...
Home Equity Line of Credit
Type
Term
APR
1
(as low as)
Monthly Payment
2
Line of Credit
3
up to 10 year draw period
4.000
$15.00
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
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
.
Time to Refinance?
Compare Two Mortgage Loans
Adjustable-Rate Mortgage Analyzer
More Calculators Here
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
Visit Us
You can also call us at
920.830.7200
during
business hours
.
Construction & Land
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.
Apply Now
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.
Free pre-qualification
Understand the process and costs before breaking ground
Convenient access to funds
Get started with as little as 10% down and a few pieces of information
Easy process
One application, one appraisal and one closing makes it simple
Interest only payments
Convert to your choice of financing once your home is complete
See Today's Rates
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
.
Home Affordability
Calculate a Mortgage Payment
Debt-to-Income Calculator
More Calculators Here
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.
Apply Online
Visit Us
You can also call us at
920.830.7200
during
business hours
.
Do you have more questions about homes loans and equity?
Homeowners Insurance
Comprehensive coverage. Affordable policies.
Homeowners Xpress
Quick and easy way to get same day money.
Credit Cards
Spread the news. You just saved interest on your credit card bill.
Investments & Retirement
Start investing in yourself and your future.