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Mortgage Loans

More than a Mortgage
Work with our experienced Mortgage Officers to help answer questions and walk you through the home-buying process.


HELOC - 0% APR* for 3 Months4

  • Variable-rate Line of Credit with a $5,000 Minimum Credit Limit*
  • No Annual Fees, No Prepayment Penalties, No Closing Costs5
  • Borrow up to 90% of your Home Equity (LTV)
  • Get ongoing cash and only pay interest on what you borrow
  • Access to your Account 24/7 with Online Banking

A Home Equity Line of Credit (HELOC) is a convenient and affordable way to cover large, ongoing, or unexpected expenses, like home improvements and debt consolidation. When you need extra cash, you can write checks or use your debit card from the line of credit or transfer funds up to the limit that you’ve been approved for right into your checking account. You have the flexibility to spend any time, anywhere!

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.

  • Up to $1,000 OFF Closing Costs2
  • As low as 3% Down Payment3
  • Fixed-Rate Financing
  • Pre-approvals to Shop with Confidence


Refinance Existing Mortgages

We can help establish a mortgage payment that works for you. Lower your monthly payment or payoff off your mortgage faster.

  • $500 Closing Costs1
  • Terms as low as 10 years
  • Fixed-Rate Financing
  • Reduce Term of Mortgage

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.




The interest rate is fixed for a set number of years before rate adjustments may occur based on the terms.
Best if - You are planning on selling your home in a few years or want more buying power with a lower initial interest rate.

Choose ARM terms from 3 to 7 Years - WHAT DOES THAT MEAN?
The first number is how many years your initial rate is fixed. The second one reflects how often the rate adjusts after the initial term. 

Here are a couple of examples:
For a 3/1 ARM, you’d have a fixed rate for the first seven years. Then your rate and payment could change once a year after.
For a 7/1 ARM, you’d have a fixed rate for the first seven years. Then your rate and payment could change once a year after.


- Fixed Mortgage Rates on Second Homes & 1-4 Family Rental Properties
- Lot Loans
- Investment Properties
- Residential Construction Loans

CU@Home Program

Get paid up to $400 while achieving your financial goals!

Contact a FirstCCU Mortgage Specialist:

To get your personal mortgage rate, please contact one of the First Community Credit Union's mortgage specialists.

Wisconsin - Janesville and Monroe Area
Tammy Kolovitz
 NMLS #680699
(608)-368-7684 or tkolovitz@firstccu.com  




"In all my years of talking with Mortgage Originators, our sit down was the most enjoyable and easiest process I have ever experienced. I appreciate your openness and transparency and desire to do business together. I like when someone is aggressive and goes after new business." - John W.

Wisconsin - Beloit Area
MJ Delmore NMLS #1790691
(608)-368-7583 or mdelmore@firstccu.com 

Illinois Area
Mario Gonzalez
NMLS #1254738
(608)-313-8905 or mgonzalez@firstccu.com 






Mortgage Loan Calculator

Use this mortgage calculator to get an estimate** of monthly payments, total payments, total interest, and amortization paydown.

1 $500 flat-fee closing costs applicable for refinance of new money first mortgage only, (offer excludes condominiums, investment property, bare land, Home Equity Lines of Credit, and second mortgages). Refinance maximum LTV 75% based on the Fair Market Value of the most recent tax statement. Other credit qualifications may apply. Rate subject to change without notice. Not valid with any other offers. Offer applies to applications taken after April 26, 2022.
2 New purchases only. The $1000 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. Offer valid on applications taken after August 10, 2021. Not valid with any other offers.
3 Owner-occupied primary residence only. 97% maximum Loan To Value (LTV). Restriction may apply depending on loan program selected, including: homebuyer education courses, minimum credit score, sales price limits, income limits, and program borrower restrictions (ex: first time homebuyer). Mortgage Insurance premium is required and will increase loan cost and monthly payment. Product can be combined with additional down payment grant programs. Not all applicants will qualify.
*APR is annual percentage rate. Rates are subject to change. The introductory rate of 0% APR is valid for First Community Credit Union home equity line of credit requests for homeowners with up to 90% combined loan-to-value (CLTV). APR will be fixed at the introductory rate during the 6-month introductory period. No annual fees. Offer is subject to normal credit qualifications. Rates are subject to change, but cannot exceed 18%. 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.
 4 After the 3-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. 
5 Closing costs exclude appraisal fees and title insurance costs.    Property insurance is required. Limited time offer subject to end without notice.
Federally Insured by the NCUA.  Equal Housing Opportunity.
NMLS #401913

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