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Mortgage Loans

Welcome Home to an ECU Mortgage.


At ECU, we offer a range of mortgage products tailored to meet your specific needs.  Our team of mortgage loan specialists will help you find the perfect mortgage product and provide exceptional service throughout the entire process.

  • Low or no down payment options
  • Convenient fixed or adjustable-rate options
  • Friendly, knowledgeable, and professional mortgage specialist to guide you through every step of your journey
  • Administration and servicing of your loan stays with ECU

Ready to apply?

Whether you want to buy a new house or use the equity in your current one, ECU has the loan to fit your needs!

Already applied?

Log in to your borrower portal here.

Mortgage Loan Officers

Our Mortgage Loan Officers are ready to serve you!

Mortgage Servicing

Our experts can help you navigate your mortgage needs.

Watch Mortgage Videos

Check out these helpful videos, covering a broad range of mortgage topics.


View each of our Mortgage Loan Officers NMLS ID Numbers.

Traditional Products

Offering low payment, low rate, and low or no down payment options, ECU mortgage loans feel just like home.

couple moving into house

Adjustable-Rate Mortgage

If high fixed mortgage loan rates are making it difficult, an adjustable-rate mortgage (ARM) might be a good option. 

man and woman looking at construction site

Construction Loans

It’s more than building a house.  It’s building a home.

man pushing daughter in swing

Fixed Rate Mortgage

Enjoy the assurance that your rate will always stay the same.

horses grazing in a field

Residential Lots & Acreage

It all starts with a great piece of land.

Specialty Loans

Find the right loan that fits your unique needs. 

Happy family on couch

ECU 100 Mortgage

Overwelmed by the amount required for a down payment?

Young couple moving

ECU Choice Program

As a medical or executive professional, we understand your busy and demanding life. That's why we have created a program specifically tailored to your needs.

couple moving into a new home

ECU Cost Cutter

ECU goes the extra mile to make the most of your money.

couple renovating a house

ECU Purchase Plus

Start with a house and make it your home.

young couple in front of house

First Time Home Buyers Program

Let ECU help reduce some of the stress associated with buying a home.

Man playing with children

Multi-Family Residential Rental Program

Looking for a way to earn extra income?

Government Loans

Government Loans can be a great option for many people. 

Family moving into house

FHA Fixed Mortgage

Take the first steps to owning your dream home.

couple unpacking boxes

USDA Fixed Mortgage

Assistance getting the home you deserve.

family sitting on steps of house

VA Fixed Mortgage

You've served our country, now let us serve you with a mortgage loan designed specifically for you!

Family laughing on the sofa

Home Equity Loans

Discover the convenience and flexibility an ECU Home Equity Loan offers.

Learn More

Compare Mortgages

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

Loan Type 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
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
Veterans Administration (VA) 100.00% 30 Year Yes No
ECU Purchase Plus 105.00% 15/30 Year No No


Purchasing or refinancing a home can be stressful, leaving you asking many questions!  Should you buy or rent?  Will refinancing save you money?  How much will your monthly payment be?  Check out our calculators designed to answer these questions and more!

View all Mortgage Calculators


With a mortgage loan pre-qualification, we’ll review your finances and estimate the maximum amount of loan for which you would qualify. Knowing how much home you can afford to buy upfront saves time when you start house hunting. It’s also beneficial to your real estate agent and the seller to know you actually qualify for a mortgage loan and are serious about purchasing the home.

First, you'll complete our online application.

The application will ask you questions about the home and your finances and takes less than 20 minutes to complete. We'll review your request for instant approval as soon as you've finished the application. If your application is approved online, we can process your request immediately.

After completing your application, a Loan Officer will contact you to introduce himself or herself and to answer any questions you may have. If your request wasn't approved online, they will ask you for any information required to make a decision about your loan.

If you are purchasing a new home, the Loan Officer will also contact the Real Estate Broker.

We'll send you an application package by mail or secure email.

The application package will contain papers for you to sign and a list of items we'll need to verify the information you provided about your finances during the online application.

We'll order the appraisal from a licensed appraiser who is familiar with home values in your area.

Title insurance will be necessary. We'll use the title insurance to confirm your property's legal status and prepare the closing documents.

After we receive your application packet and appraisal, the closing agent will contact you to schedule your loan closing. If you are purchasing a home, they will also schedule the closing with the real estate broker and the seller.

The closing will occur at the office of a title company or attorney in your area who will act as our agent.

That's all there is to it! You're on your way to the most convenient home loan ever!

There’s no cost at all for completing our application. After your loan is approved, you can decide whether to lock in an interest rate, and we can process your request.

A credit score is one of the pieces of information that we'll use to evaluate your application.

Credit scores are based on information collected by credit bureaus, and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by lenders. Credit scores are calculated by comparing your credit history with millions of other consumers. They have proven to be a very effective way of determining creditworthiness.

Some of the things that affect your credit score include your payment history, your outstanding obligations, the length of time you have had outstanding credit, the types of credit you use, and the number of inquiries that have been made about your credit history in the recent past.

Credit scores used for mortgage loan decisions range from approximately 300 to 900. Generally, the higher your credit score, the lower the risk that your payments won't be paid as agreed.

Using credit scores to evaluate your credit history allows us to quickly and objectively evaluate your credit history when reviewing your loan application. However, there are many other factors to consider when making a loan decision, and we never evaluate an application without looking at the total financial picture of a member.

Mortgage Videos

Have questions about purchasing, building or selling a home? Check out these helpful videos, covering a broad range of mortgage topics.