Mortgage Loans

ECU offers first mortgages for a new home or refinancing for your current mortgage. We offer a complete suite of mortgage programs with flexible terms and exceptional service! ECU offers quick service and help when you need it. Our Mortgage Originators will assist you to find the mortgage loan that fits your individual needs and financial circumstances.

ECU Conventional loan options and benefits include:

  • Competitive rates and closing costs
  • Local approval
  • Fixed rate
  • Terms up to 30 years
  • Low down payment options for 1st time home buyers
  • Conforming and non-conforming

Our goal is to make the home-buying experience enjoyable and hassle-free. Along with competitive rates and a wide range of loan options, we’re focused on providing the very best service and support, including great personalized service, to help you find the best mortgage.

Education Credit Union NMLS# 729181

Education Credit Union’s mortgage partner is Member Home Loan (NMLS#105693)

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FHA

All FHA and VA loans are initiated and brokered through our underwriter, Member Home Loan. All questions concerning FHA and VA loans should be directed to Member Home Loan at 1-866-520-4702

FHA mortgage lending has great options for first-time homebuyers or members who have less than perfect credit. Below are a few FHA mortgage loan benefits:

  • Lower closing costs
  • Low down payment of 3.5%
  • Down payment can come in the form of a gift