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Home sweet home can happen with a mortgage from your partners at PFCU.  Whether you are looking to purchase a new home, or own your home outright and want to borrow against your home's value; we can help. We offer low-rate mortgages with terms up to 30 years and financing up to 90% of appraised value.  Our experienced lending team will guide you through every step of the process. 

This is a 30-year mortgage with a 15-year balloon (your rate will be fixed for the first 15 years, and reprice to the then current rate at 15 years). Please note, PFCU does not manage escrow. You will need to save for and manage your insurance and property tax payments. 

If you already have a mortgage on your home and are looking to borrow against the remaining equity, please look at our Second Mortgage loan.

To apply for a mortgage, please contact the credit union.

Mortgage application and closing steps:

  1. Call or visit the credit union to submit your application
  2. A list of needed documentation will be provided
  3. We will provide you a Good Faith Estimate (to be signed and returned) and the Consumer handbook
  4. When your offer for a property has been accepted, a title search and flood search will be conducted. An appraiser will contact you to set up your appraisal
  5. As the documents in Step 4 are returned to the credit union, we will prepare your mortgage and schedule a closing date
  6. You will need to provide proof of property insurance and a recent paystub

To apply for a mortgage, please contact the credit union.


Credit Union NMLS ID# 522482
Erin Bepler NMLS ID# 1872605
Jeff Cain NMLS ID# 474147