Loading First Community Credit Union

Mortgage Loans

Current Promotions

2.75% Rate*
3% Down Payment**
$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.

Janesville and Monroe

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




Rockford and Roscoe

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




Beloit, Roscoe, and Monroe

Mario Gonzalez NMLS #1254738 (Also serving Roscoe)
(608)-313-8905 or mgonzalez@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.

*Rate is based off loan assumption that include a borrower with 700 credit score or higher; your actual rate 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. 120 month term. Payment does not included amounts for taxes and insurance, if included the actual payment obligation will be greater because of these additional amounts. 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 after July 1, 2021. **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. Federally insured by the NCUA. Equal Housing Opportunity. 
NMLS #401913

Apply Online read more

Open an account, apply for a loan or credit card today!

Security+ Checking read more

A more rewarding and beneficial checking account. FREE 90 trial period.

Credit Cards read more

Take advantage of our low introductory rate of 3.99% APR for 12 months plus no balance transfer fees!