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Mortgage Loans

Lowest Rates + Lowest Costs= Highest Savings in the Stateline Area
Stay up to date on current rates by texting "Rates" to 608.313.8911


4.99% APR* for 6 Months

Home Improvements, Consolidating Debt, Buying a Car, & More!

Refinance or Home Purchase

$595 Closing Costs1

  • Lower monthly mortgage payment
  • Faster mortgage payoff
  • Easy streamline process
  • Work with an industry professional
  • Get cash for home improvements, a new car, or higher interest debt. 

$800 Savings vs. Local Competitor2

Contact a FirstCCU Mortgage Specialist:

To get your 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  






"I'm an experienced Mortgage Loan Officer with 23 years of helping first time buyers or seasoned homeowners. I've built my career marked by ethics and integrity, backed by experience and based on a total commitment to customer service. I am here to be your partner during this journey, helping you stay on track with your financial goals towards home ownership.

On my days off, I enjoy exploring new restaurants, staying active outdoors and time with my family." - Tammy K

"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
Chad Perkins NMLS #523678
(608)-368-7682 or cperkins@firstccu.com







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






"Mario has been in the Mortgage industry since 2010 and currently serves our Illinois branches. During his time off, you can find Mario at sporting events, concerts, or searching for the best bacon cheeseburger. Whether you're a first time home buyer or a seasoned homeowner wanting to make home renovations, Contact Mario today."


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.​

  • 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.

  • $595 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.


- Low Rate of 6.00%
- Low Payments During Construction
- High Loan Limit to 90%
- Discounted End Loan Closing Costs


- 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!

Mortgage Loan Calculator

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

1 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.  2 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. 3  Rates are subject to change. The introductory rate of 4.99% 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 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. 
Federally Insured by the NCUA.  Equal Housing Opportunity.
NMLS #401913

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