Buying a home or property is one of the most important decisions you’ll make in a lifetime. We’ll help get you into your home faster or buy that special piece of land with a home mortgage or real estate loan from KCCU.


At KCCU we’ve been doing business locally and taking care of members for over 70 years. We promise you’ll feel right at home with our personal service, great rates, and generous terms. Since we are local, all of our mortgage decisions are made in-house so we can provide fast approvals, and if you need us, we are right here in your neighborhood. To help expedite your approval, review our list of Required Documents  for mortgage applications.


  • 10-year, 15-year, 20-year, and 30-year fixed-rate mortgages
    A fixed rate mortgage provides you with a consistent payment amount for the entire term of your loan, giving you greater control over your monthly budget. A longer term will enable you to get more house for your money with a lower monthly payment. A shorter term enables you to save money by paying off your balance more quickly and saving money on interest.
  • 5-year and 7-year balloon mortgages
    In some cases, a balloon mortgage may be the right choice for you. The loan is amortized over a longer period of time than the actual loan period allowing you to manage a smaller monthly loan payment. At the end of the loan period, the balance is due in the form of a “balloon” payment.
  • Condominiums
    We offer fixed term and balloon loan options for condos. Call and find out how we can help you purchase in a great location.
  • Low down payment FHA loans
    This is a great loan for anyone looking for a low down payment option. Down payments can be as low as 3.5% of the purchase price and portions of your closing costs and fees can be rolled right into the loan. This allows you to get into your home easier. Although this is a great option for first time home buyers, it may also be the right choice for many others who don’t want to tie up all their savings in a down payment.
  • VA loans
    If you’re an American Veteran or the surviving spouse of an American Veteran, KCCU now offers VA loans. These flexible loans will help you purchase a home with no down payment and are backed by the federal government. This means, even if you have credit challenges (and qualify for a VA loan) you can still live your dream and buy your new home.
  • Rural development loans
    KCCU is a USDA approved provider of RD loans. This zero down payment option is available to qualified borrowers for properties located in eligible areas. With up to 40 year terms and flexible credit guidelines, this may be an excellent choice for you and your family.
  • Vacant land loans
    Vacant land loans enable you to obtain a mortgage for the property of your dreams. A low fixed rate can save you money with only a 30% down payment required. This is a great way to help keep costs down until you’re ready to start construction.
  • Construction loans
    When you decide to build your dream home, a construction loan can be the perfect option to pay your builder for labor and materials with a full 12 months of interest only payments. Later, your loan will be converted to a permanent mortgage which was selected during the application process.
  • Jumbo mortgages
    When you need a real estate loan for over $417,000, we have the solution with our jumbo loan product. Competitive rates, experienced mortgage specialists, and great service make KCCU the right place for your loan needs.


With interest rates at their lowest levels in decades, you might want to consider your refinancing options.

Refinance your mortgage to:

  • Reduce your monthly mortgage payments
  • Pay off your mortgage faster and save on interest by decreasing the length of your mortgage
  • Increase the length of your mortgage and spread out the costs for lower monthly payments
  • Change the terms of your mortgage from an adjustable rate mortgage to a fixed-rate mortgage
  • Get quick funds for home renovations, college tuition, debt consolidation, or other expenses by refinancing for a higher loan amount
  • Trade up to a better mortgage rate if your financial situation has improved since you originally financed your home

Required Insurance Verification

As part of your KCCU mortgage loan obligation, you are required to maintain property insurance for the full term of your loan. To learn more, visit submit your insurance information online


Please see our current rates for our up-to-date interest rates.


Our preferred realtors are experienced, and have earned strong reputations for honesty, reliability and professionalism. Whether you’re looking for the home of your dreams or selling your current house, our preferred realtors are ready to help!

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Contact a Mortgage Specialist

Contact one of KCCU’s mortgage specialists to complete an application at one of our convenient branches or to answer any questions you may have.

Trina Gray  NMLS ID# 1105945, 269-441-5763,

Zachary Carlson NMLS ID# 1270601, 269-441-1575,

Amanda LeBeau NMLS ID# 756746, 269-441-1544,

Interested in a home equity loan?