Fixed or Adjustable Rates

Flexible Terms Available 

Local Teams and 9 Branches. We're Here For YOU!

When you're buying local, you can borrow local too with FirstCCU

When you're in the market for a home loan, you have a trusted partner here who knows the Stateline area. This is an important milestone for you and your family. For us, it's so much more than just a transaction, and we treat it with the personalized attention you deserve. We're here to help you figure out which mortgage you need to fit your budget and lifestyle. We provide a smooth and simple home loan experience with personal attention at every turn. And we offer free pre-approvals so you sellers know you're ready to buy. Plus, we have the perfect self-service tools to estimate your monthly mortgage payment or to see how much equity is available in your home.

Fixed-Rate Mortgages

This is one of our most popular mortgages because the fixed interest rate allows you to budget with confidence.

Your principal and interest payments stay the same for the loan's full term, which provides you with more certainty for financial planning.

Adjustable-Rate Mortgages (ARMs)

An ARM from FirstCCU can help lift you into your dream home with a lower initial rate during the first three or seven years.

Save money on interest payments during that time period to help make your home more affordable. It could be the ideal solution if you plan to sell your home in a few years or want more buying power. 

  • With the 3/1 ARM, your rate stays fixed for the first three years before possibly changing once a year after that
  • With a 7/1 ARM, your rate stays fixed for the first seven years before possibly changing once a year

Construction Loans

When you're ready to build or expand your custom home, a FirstCCU Construction Loan lays the groundwork.

  • Low rate of  APR*
  • Low payments during construction
  • High loan limit up to 90%
  • Discounted end-loan closing costs 

Additional Mortgages

Whatever goal you have, you can reach it with our competitive rates, flexible options, personalized service and local expertise from people invested in our communities.

  • Fixed-Rate Mortgages for second home and 1-4 Family Rental Properties
  • Lot Loans
  • Investment Properties

Mortgage Refinances

Change. It's unavoidable, but you don't have to stress it, we're here to help. 

With a refi from FirstCCU, you could save money, change your term or access cash for other financial needs.

  • $595 closing costs2
  • Terms as low as 10 years
  • Fixed-rate financing

Contact a FirstCCU Mortgage Specialist

We're here to help! From exploring your options to closing on your new mortgage, First Community Credit Union's mortgage specialists always keep the focus on you.

First Community Credit Union Mortgage Specialist Chad Perkins.

 

 

 

 

 

Wisconsin - Beloit, Janesville and Monroe Area
Chad Perkins NMLS #523678
(608)-368-7682 or [email protected]

First Community Credit Union Mortgage Specialist Nataly Chavez.

 

 

 

 

 

Illinois - Roscoe, Rockford, Belvidere and Freeport Area
Nataly Chavez NMLS #1238015
(608)-313-8905 or [email protected]

Who can keep up!?

Text "Rates" to 608.313.8911 for current rates!

All those great ideas? Make them happen.

Tap into the equity you've built to make almost anything happen.

Home Equity Loans

First Community Credit Union is a member-owned financial co-op serving nine full-service branch locations in Beloit, Janesville, and Monroe, Wisconsin and Freeport, Rockford, Belvidere, and Roscoe, Illinois.

FirstCCU has been here for over 90 years, we're still local and always member-owned.

*APR is annual percentage rate. Rates are subject to change. No annual fees. Offer is subject to normal credit qualifications. Rates are subject to change, but cannot exceed 12%. Some restrictions may apply. When refinancing current First Community Credit Union Home Equity Lines of Credit, limit must increase by a minimum of $5,000 or greater to qualify for introductory rate. New HELOC eligibility requirements apply. 

1 After the 6-month introductory period, the rate will revert to Prime Rate as published in The Wall Street Journal or Prime Rate plus or minus a margin. The actual rate will be based upon your creditworthiness and loan-to-value. Property insurance is required. Limited time offer subject to end without notice.  

2 Applies to first mortgage primary residence properties and refinancing. Closing Costs include; Appraisal, Credit Report, Flood Determination, Document Preparation, Quality Control and Tax Service Fees; Excludes Title, Prepaid items, Escrow funding, Recording fees and all other miscellaneous costs. Rates and fees vary based on such factors such as credit scores, loan-to-value ratio, type of property and amount of loan. FirstCCU reserves the right to require reimbursement for the cost of the appraisal if your loan application is canceled for any reason other than denial of credit. Lender Title Policy required. Servicing will be done by Midwest Loan Services. Any specialty fees (Quick Claim Deeds, appraisals, or recording fees for old title liens will be passed on to the borrower). Other Mortgage products offered will be normal qualifications and costs to member. If debt ratio exceeds 43%, must use standard mortgage products with DU Eligible and sell to FHLB.

3 Estimated savings of credit union membership are calculated by average credit union loan interest rates and fees compared to average bank savings loan interest rates and fees.

Federally Insured by the NCUA. Equal Housing Opportunity.

NMLS #401913