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Mortgage Programs

Purchase

Purchasing a home is likely one of the largest financial investments a person will make. Getting the right mortgage is just as important as buying the right house.

Refinance

Refinancing your home can be a helpful tool for home improvement projects, debt consolidation or simply lowering your monthly payment.

  • Lower your interest rate
  • Lower your monthly payment
  • Free up equity you have built up over the years
  • View our current rates

Construction

Building your dream home can be easy and affordable when you choose Preferred Credit Union for your Construction Loan!

  • Principal residence and second homes
  • Land equity can be used for down payment requirements
  • Purchase of land can be included in project amount
  • Interest only payments during construction
  • General Contractor/Builder loans only
  • 6 to 12 months for construction
  • Maximum 30 years term for end loan

Home Equity Loans

Use your home to get the funds you need, at rates and terms that make sense for your budget.

  • View our current rates
  • Fixed term loan with up to 15 year repayment (80% loan to value maximum)
  • Fixed term or line of credit available
  • Get the home equity loan to suit your needs
  • No Appraisal and No Fee options (some restrictions may apply)