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Home Loans

A place for cookouts, bare-feet, a yard to roam or a night in. Wherever you want to call home. Let us open the door of possibilities and help you get a place to call home.  Get started today! 

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Explore Our Home Loan Options 

  • Fixed Rate Mortgages 

    Buy a home and lock in a fixed interest rate and payment amount for a 15-year or 30-year period. Enjoy consistent payments for the life of your mortgage. A Campus Federal representative can help you determine whether a 15-year or a 30-year term is right for you.

    Apply 

    Please see our detailed Mortgage Rates Guide for mortgage rates and information.

  • Adjustable Rate Mortgages (ARMs) 

    Finance a vacation home or a place for your kids to stay while they’re in college with an ARM that fits your needs.

    Adjustable rate mortgages offer low initial rates (sometimes 1.5%-2.5% less than a comparable fixed rate mortgage), and if you expect to move after a short time or are comfortable with the risk that your rate may increase, they can be a great option. Talk to a Campus Federal representative today to determine if an ARM is right for you.

    Campus Federal offers:

    • Competitive rates
    • 7/1 Adjustable Rate Mortgage- Variable rate; however, interest rate is fixed for first seven years, after that it can increase or decrease annually, which will affect payment amount
    • 5/1 Adjustable Rate Mortgage- Variable rate; however, interest rate is fixed for the first five years, after that it can increase or decrease annually, which will affect payment amount.
    • Low minimum down payment with no mortgage insurance requirement
    • Financing available for single family dwellings, condominiums, townhomes, and duplexes
    • No prepayment penalty
    • Loan can also be used to finance a primary residence, vacation home or a home for your college student

    Apply 

    Please see our detailed Mortgage Rates Guide for mortgage rates and information.

  •  Refinancing 

    Housing costs are one of the largest expenses of most household budgets. With changing interest rates, you should periodically determine whether refinancing at current interest rates would save you money. Campus Federal can help you determine if refinancing is in your best interest.

    To determine whether you should consider refinancing, compare the costs of obtaining a new mortgage with the savings you will enjoy with a reduced interest rate. In addition to an updated interest rate, you may also want to consider refinancing to a different type of mortgage, such as switching from an ARM or 5-year balloon to a 15-year or 30-year fixed rate mortgage.

    Apply 

    Please see our detailed Mortgage Rates Guide for mortgage rates and information.

     

 

Meet Our Home Loan Experts 

We've mastered the art of helping people and making the dream of homeownership a reality for many. 

Brandin BrewerShane HolmesJenny Smith

Have questions? Send our Mortgage Department an email at mtg@campusfederal.org