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ECU 100 Mortgage

Don't let a down payment keep you from owning your own home.

Features

Do you dream of owning your own home, but you're overwhelmed by the amount required for your down payment? ECU is here to help with an ECU 100 Mortgage.

This program helps eliminate some of the stresses associated with a traditional mortgage loan by offering up to 100% financing, which means no down payment. And we'll be right beside you every step of the way from application to closing. Your loan is processed, approved and serviced right here at ECU.

Up to 100% financing available - even if you're not a First Time Home Buyer (purchases only)
No Private Mortgage Insurance (PMI) required
Fixed and adjustable rate options available

Find a Loan Officer

Learn More:

Apply for a Mortgage
Completing our online application is as easy as 1-2-3. Get started today!
ECU Title & Escrow
ECU Title & Escrow is a full-service real estate settlement company that helps members complete the home buying or selling experience at an ECU branch.
Find a REALTOR
Realtors are knowledgeable in many phases of the home buying and home selling process and can be a valuable resource to you.
Watch Mortgage Videos
Have questions about purchasing, building or selling a home? Check out these helpful videos, covering a broad range of mortgage topics.

Have Mortgage Questions?

Calculate Your Answers

So many financial decisions are involved when purchasing or refinancing a home. Should you buy or rent? Will refinancing save you money? How much would your monthly payments be? Our calculators are designed to answer these questions and more.

Mortgage Calculators

Compare Mortgages

Which loan is right for you? See the chart below for unique features of each. If you need help, please contact us or give us a call at 800.999.2328.

Loan Term	Maximum Loan To Value	Term	Mortgage Insurance	Prepayment Penalty
Fixed & Adjustable Rate Mortgages	97.00%	15/20/30 year	Yes	No
Federal Housing Administration (FHA)	96.50%	15/30 year	Yes	No
Veterans Administration (VA)	100.00%	15/30 year	Yes	No
USDA	100.00%	30 year	Yes	No
First Time Home Buyers Program	105.00%	30 year	No	No
ECU 100 Mortgage	100.00%	15/20/30 year	No	No
ECU Purchase Plus	105.00%	15/30 year	No	No

FAQs

What is the ECU 100 Mortgage?
The ECU 100 Mortgage is a home loan designed to help buyers who are not first-time homebuyers with the costs of traditional expenses associated with a mortgage loan. This loan offers a no down payment option, no Private Mortgage Insurance (PMI) requirement, and up to 100% financing on the purchase price of the home.
What type of housing can I finance with the ECU 100 Mortgage?With the ECU 100 Mortgage, the home must be an owner-occupied primary residence on a traditional stick built, single-family dwelling home. Manufactured homes and condos are not eligible.
Are closing costs associated with the ECU 100 Mortgage?Yes. There are closing costs with the ECU 100 Mortgage loan. Funds can come from flexible sources such as gift monies or a secured loan.

Traditional Mortgage Products

Eastman Credit Union offers a variety of traditional and specialty loans.

Home Equity Products

Eastman Credit Union offers a variety of loan options customized for you.

View Home Equity Products

Specialty Loans

Find the right loan that fits your unique needs.

Government Loans

Government Loans can be a great option for many people. To learn more about how ECU can help you with a government loan, use the links below.

Resources for Life

See all resources

Home Buying Tips

Many people who are ready to buy a new home must first sell their current home.

GreenPath Resource: Falling Behind on your Mortgage?

Don't allow fear to rule your finances.

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