Mortgage Loans
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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.

ECU 100 Mortgage (Fixed Terms Only) Rates

Loan TermRateAPRPoints
20 year Select4.375%4.491%0.000%
15 year Select 4.000%4.146%0.000%
30 year Select4.625%4.710%0.000%

Rates accurate as of November 8, 2019 and are subject to change.

All rates are subject to change without notice and will be based on your credit history, down payment amount, property type, loan purpose, etc. Rates are based on a purchase transaction with a 0% down payment. APR is based on $100,000 loan amount for a 100% LTV purchase and reflects any pre-paid finance charge.

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 TermMaximum Loan To ValueTermMortgage InsurancePrepayment Penalty
Fixed & Adjustable Rate Mortgages97.00%15/20/30 yearYesNo
Federal Housing Administration (FHA)96.50%15/30 yearYesNo
Veterans Administration (VA)100.00%15/30 yearYesNo
USDA100.00%30 yearYesNo
First Time Home Buyers Program105.00%30 yearNoNo
ECU 100 Mortgage100.00%15/20/30 yearNoNo
ECU Purchase Plus105.00%15/30 yearNoNo


  • 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

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.