Mortgage Loans
Current Promotions
CRAZY LOW RATES!
2.50% Rate*
$500 Closing Costs1
10 Year Fixed Rate | 700 or Better Credit Score
ALSO OFFERING!
Fixed Mortgage Rates on Second Homes & 1-4 Family Rental Properties
Coming Spring 2021 - Residential Construction Loans
Let's get started!
FirstCCU Mortgage Application or
Fixed 2nd Mortgage Application - 5 or 10 year
Home Equity Line of Credits (HELOC)
First Community Credit Union Mortgage Loans
Dreaming of being a homeowner? FirstCCU is here to help!
Whether you're a first-time homebuyer or a seasoned homeowner wanting to upgrade to a larger house, FirstCCU is here for you.
Our friendly and knowledgeable mortgage specialists will guide you through the process and help you find the home loan that's right for you. We provide a smooth and simple home loan experience with personal attention at every turn.
Plus we offer free pre-approvals that verify your “Ready-to-Buy” status.
Our mortgage department can help you with:
First Mortgages
Purchasing a home is likely the largest purchase you’ll make. We offer competitive fixed and adjustable rates* on mortgage loans that are locally owned and serviced.
Refinance Existing Mortgages
We can help establish a mortgage payment that works for you. Lower your monthly payment or payoff off your mortgage faster.
Home Equity Loans
Tap into your home’s potential by using the equity. Pay off debt, make home improvements, or take that dream vacation! Our home equity loans are fixed-rate loans with a variety of term options.
Home Equity Line of Credits (HELOC)
We offer HELOCs that allow you to borrow and pay continuously for up to 10 years. This is a great option if you are unsure of home improvement costs or would like the financial reassurance when your home needs an emergency repair.
Contact a FirstCCU Mortgage Specialist to take advantage of historically low rates:
To get your personal mortgage rate, please contact one of the First Community Credit Union's mortgage specialists.
Janesville
Tammy Kolovitz NMLS #680699 (Also serving Beloit)
(608)-368-7684 or tkolovitz@firstccu.com
Monroe
Debbie Watson NMLS #455658
(608)-368-7661 or dwatson@firstccu.com
Rockford
George Pleshkewych NMLS #443967 (Also serving Roscoe)
(815)-708-2267 or gpleshkewych@firstccu.com
Beloit
Mario Gonzalez NMLS #1254738 (Also serving Roscoe)
(608)-313-8905 or mgonzalez@firstccu.com
Tammy Kolovitz NMLS #680699 (Also serving Janesville)
(608)-368-7684 or tkolovitz@firstccu.com
Shawna Sherry NMLS #1974744
Mortgage Operations Director
(608)-313-3385 or ssherry@firstccu.com
Mortgage Loan Calculator
Use this mortgage calculator to get an estimate** of monthly payments, total payments, total interest, and amortization paydown.
*Annual Percentage Rate. APR is based off loan assumptions that include a borrower with 700 credit score or higher; your actual APR may differ depending on your credit history and loan characteristics. Loan Assumptions:$200,000 value $150,000 Loan Amount. $500 closing costs, 2.569% APR. EST payment $9.43/$1,000 borrowed. Payment do not include amounts for taxes and insurance, if applicable, and that the actual payment obligation will be greater. Credit qualifications may apply. Transaction for refinance new money 1st Mortgage only. $500 flat fee closing costs. Closing will be done in house by qualified staff, no Title Company closing. Refinance maximum LTV of 80% based on the Fair Market Value of the most recent tax statement. Maximum DTI of 38%. Lender Title Policy required. Servicing will be done by Midwest Loan Services. FirstCCU will cover the cost of credit, tax service, flood certification, Title and Policy and recording that exceeds the $500.00 flat fee. 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 38%, must use standard mortgage products with DU Eligible and sell to FHLB. 1 New purchases only. The $500 closing cost credit cannot exceed the actual amount of closing costs, prepaid interest, and escrow reserves. This includes if the credit is combined with a seller closing cost credit. First mortgages only (offer does not apply to second mortgages or home equity lines of credit). Other credit qualifications may apply. Rate subject to change without notice. Not valid with any other offers. Federally insured by the NCUA. Equal Housing Opportunity. Offer effective on applications taken on or before April 30, 2021.
NMLS #401913
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