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Mortgage Loans

Current Promotions

2.75% Rate*
$500 Closing Costs1

*10 Year Fixed Rate | 700 or Better Credit Score

- Fixed Mortgage Rates on Second Homes & 1-4 Family Rental Properties
- 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.


Tammy Kolovitz NMLS #680699 (Also serving Beloit)
(608)-368-7684 or tkolovitz@firstccu.com  





Debbie Watson NMLS #455658
(608)-368-7661 or dwatson@firstccu.com





George Pleshkewych NMLS #443967 (Also serving Roscoe)
(815)-708-2267 or gpleshkewych@firstccu.com





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, 2.820% APR. EST payment $9.43/$1,000 borrowed. Payment does not include amounts for taxes and insurance, if applicable thus the actual payment obligation will be greater when included. Credit qualifications may apply. Transaction for refinancing new money first Mortgages only. $500 flat-fee closing costs. Refinance maximum LTV of 75% based on the Fair Market Value of the most recent tax statement. Maximum DTI of 38%. Excludes condos, investment properties, and bare land.  Valid through 7/31/21.
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 July 31, 2021.
NMLS #401913

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