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Mortgages

Find your home sweet home with help from City & County Credit Union.

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Your home is more than just four walls. It’s where your best memories are made and where you spend time with the ones you love most. That’s why at City & County Credit Union, we stand by your side from beginning to end to ensure you are selecting the best mortgage solution for you and your family. 

Whether you are buying your first home or refinancing, you’ll experience low closings costs, competitive rates, no hidden fees and no prepayment penalties. 

Home Purchase

Homeownership is closer than you think with a City & County Mortgage. Enjoy affordable down payments as low as 3% and get pre-approved for free to see what you qualify for.

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Mortgages

Heroes & Experts Program

Are you an educator in our community? Firefighter? Certified Public Accountant?

Through City & County’s Heroes & Experts Program, qualified members of our community who serve the public can enjoy exclusive perks like down payments as low as 1%.

Heroes & Experts

Traditional Refinance

Lock in a rate as low as the current market and refi to a 10, 15, 20 or 30-year term.

From lowering your monthly payment to saving on interest, the Traditional Mortgage Refinance is the perfect option to upgrade your loan to fit your current needs. 

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Traditional Refinance

Rapid Refi

If you’re looking to save on closing costs, the Rapid Refi is the perfect option for you.

Lock in a low-rate, refinance to a 15 year term and only pay $999 in closing costs with no additional out of pocket expenses.

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Rapid Refi

Home Equity Loans

Put your equity to work with an affordable Home Equity Loan. Borrow one lump sum or open a line of credit to gain access to the cash you need, when you need it.

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Home Equity

Mortgage Resources

Purchasing a home is a big decision. Learn more about the mortgage process with our free resources.

  • Home Buyer's Guide Learn more about the entire mortgage process including loan options, the timeline & what to expect.
  • Mortgage FAQs Get your questions answered about the home buying process.

Local Mortgage Team

Explore your home loan options with City & County’s local mortgage team. We will expertly guide you through the process to ensure you are ready to say – Welcome Home! If you have any questions before getting started, we’re here to help.

Contact Mortgage Team

We are unable to support mortage loans in Hawaii, Massachusetts, New York, Rhode Island, Washington DC or Vermont.

Not A Member Yet? Think Pink And Thrive

When you join City & County Credit Union, you're not just opening an account - you're becoming part of a movement that puts people first, dreams big, and dares to be different.

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"I’ve been a member of City & County Credit Union for many years, more than I can count.  I’ve been retired for 15 years already! During my work life the Credit Union helped me refinance my mortgage, enabling me to put new doors and windows in my house. Over the years I learned how easy it was to save, and recently put maintenance free siding on my St. Paul home.  They made it easy for me to get a Home Equity line of credit.  Knowing I have funds available is peace of mind. I’d say CCCU is an important part of my life and has helped me to live a comfortable retirement."

Mary B.

Member Since 1978