Home Loans & Equity

Transforming member-owners into happy homeowners.

Couple just buying a home with a mortgage from Community First Credit Union

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.

See Today's Mortgage Rates 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.

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.

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.

See Today's Mortgage Rates 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 you 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

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.

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.

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

Looking for a longer or shorter term?

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

See Today's Rates

10 & Done Home Loan
Note Rate (as low as)	Term	APR¹ (as low as)	Monthly Payment²
5.375	10 years	5.419	$10.79

Effective July 09, 2025

¹APR = Annual Percentage Rate. Some restrictions may apply. Your actual rate and term is determined by your account history and credit score and a loan to value (LTV) of 80% or less. Rates subject to change without notice. APR includes $200 loan processing fee. New money minimum: $20,000 - First Mortgage only.
²Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment example on $100,000.00, 10-year amortization results in 119 payments of $1,079.08 and a final payment of $1,079.08. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater. Real Estate/Home Equity payment examples do not include taxes, insurance or closing costs. Does not apply to purchase, construction, investment, commercial, land or multi family properties.

Apply Now

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:

Home Equity Line Visa^® Card – Make purchases online or at any retailer that accepts Visa. Need cash? Use your card at any Community First ATM for no fee
Traditional – Transfer money as needed using Digital Banking, by calling or visiting a branch

(NOTE: Other locations may charge fees).

Home Equity Loan
Term	Note Rate (as low as)	APR¹ (as low as)	Monthly Payment²
6 years	5.490	5.614	$5.67

Effective July 09, 2025

¹APR = Annual Percentage Rate. Some restrictions may apply. Your actual rate and term is determined by your account history and credit score and a loan to value (LTV) of 80% or less. Rates subject to change without notice. APR includes $200 loan processing fee. New money minimum: $20,000.
²Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment example on $100,000.00, 30-year amortization results in 71 payments of $567.16 and a final payment of $91,240.76. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater.

Apply Now

Home Equity Line of Credit
Type	Term	APR¹ (as low as)	Monthly Payment²
Line of Credit ³	Up to 10 year draw period	7.500	$15.00

Effective July 09, 2025

¹ APR = Annual Percentage Rate. Your account relationship, credit score and credit score and a loan to value (LTV) of 80% or less determine your rate. Rates subject to change. Variable rate tied to Wall Street Prime Rate.
² Monthly payment is based on payment per $1,000 for term and rate shown above. Minimum monthly payment required is 1.5% of balance.
³ Minimum line amount $10,000.

Apply Now

Looking for cash without using your equity?

With a Homeowners Xpress Loan, you can get up to $50,000 without equity, closing costs or appraisals.

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.

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.

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.

See Today's Mortgage Rates 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 20% 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.

Let’s get you building.

Apply Online apply online or visit us

Visit Us

Home Loans & Equity

Transforming member-owners into happy homeowners.

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.

Make a purchase.

Refinance and save.

Tap into your equity.

Buy land and build.

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.

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 you 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

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.

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.

Let’s get you moving into your new home.

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:

Paying down your mortgage sooner.

Refinancing to lower your monthly payment.

Getting cash out to use for anything.

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

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:

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

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

Looking for cash without using your equity?

With a Homeowners Xpress Loan, you can get up to $50,000 without equity, closing costs or appraisals.

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.

Let’s unlock the money in your home.

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.

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

Convenient access to funds Get started with 20% 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

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.

Homeowners Xpress

Quick and easy way to get same day money.

Credit Cards

Choose the card that matches your lifestyle.

Investments & Retirement

Start investing in yourself and your future.

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

Fixed Rate
Mortgages

Adjustable
Rate Mortgages

Balloon
Mortgages

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

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

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

Convenient access to funds
Get started with 20% 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