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CEFCU Home Loans
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closing costs with no junk fees.

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Apply Online with Loan @ Home

Great news! You can apply for a Home Loan online.

  • Work through the step-by-step online application.
  • Be confident in the secure online transaction.
  • Apply for a primary residence, second home, or investment property loan.

If you have any questions concerning Home Loans or the online application, please contact CEFCU.

CEFCU Offers To Pay Members' Home Loan Closing Costs

For a limited time, CEFCU® will pay direct, third-party closing fees on first mortgages for first-time home buyers (or those who haven’t owned a home for the last three years).  That’s an average savings of $600!  To qualify, at the time you apply for your CEFCU Home Loan you need to:

  • Be a CEFCU member in good standing;
  • Have an open CEFCU Checking account; and
  • Be purchasing or constructing a home for use as a primary residence.

This offer* is available to Home Loans with applications dated after 1/1/08.

*For the purposes of this offer, “direct, third-party closing fees” consist of fees for the following: application, recording, appraisal, flood determination, credit report, Fannie Mae software usage, courier/overnight services, final inspection, lien waiver/search, payout draw, and title company closing. Not all these fees will apply to every Home Loan. Costs which CEFCU will not cover, and which must be paid at closing, include but are not limited to: taxes, private mortgage insurance (PMI), prepaid mortgage interest, prepaid insurance costs, jumbo or discount points, attorney or title company fees not listed above, and interest rate relock fees. This offer is not available for Home Loans used to: refinance an existing mortgage; to purchase or refinance a second home, investment home, or non-owner-occupied home; or modify an existing loan. This offer cannot be combined with any other CEFCU Home Loan offer.

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Today's Featured Rates

RSS

30 Year Fixed Rate
 Rate  APR  Points
 3.875%  4.076%  2.000%
 4.125%  4.244%  1.000%
 4.375%  4.410%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 3.875%  4.155%  2.000%
 4.125%  4.289%  1.000%
 4.375%  4.422%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 2.875%  3.225%  2.000%
 3.125%  3.330%  1.000%
 3.375%  3.434%  0.000%
10 Year Fixed Rate
 Rate  APR  Points
 2.875%  3.386%  2.000%
 3.125%  3.423%  1.000%
 3.375%  3.461%  0.000%
1 Year ARM - 30 yr.
 Rate  APR  Points
 2.125%  2.774%  2.000%
 2.375%  2.715%  1.000%
 2.625%  2.656%  0.000%
1 Year ARM - 15 yr.
 Rate  APR  Points
 1.875%  2.868%  2.000%
 2.125%  2.758%  1.000%
 2.375%  2.649%  0.000%
3 Year ARM - 30 yr.
 Rate  APR  Points
 2.125%  2.704%  2.000%
 2.500%  2.707%  1.000%
 2.875%  2.907%  0.000%
3 Year ARM - 15 yr.
 Rate  APR  Points
 1.875%  2.687%  2.000%
 2.250%  2.684%  1.000%
 2.625%  2.683%  0.000%
5 Year ARM - 30 yr.
 Rate  APR  Points
 2.125%  2.641%  2.000%
 2.500%  2.691%  1.000%
 2.875%  2.907%  0.000%
5 Year ARM - 15 yr.
 Rate  APR  Points
 2.000%  2.610%  2.000%
 2.375%  2.682%  1.000%
 2.750%  2.808%  0.000%
7 Year ARM - 30 yr.
 Rate  APR  Points
 3.000%  3.191%  2.000%
 3.250%  3.363%  1.000%
 3.500%  3.533%  0.000%
7 Year ARM - 15 yr.
 Rate  APR  Points
 2.875%  3.225%  2.000%
 3.125%  3.330%  1.000%
 3.375%  3.434%  0.000%
10 Year ARM - 30 yr.
 Rate  APR  Points
 3.250%  3.444%  2.000%
 3.500%  3.614%  1.000%
 3.750%  3.783%  0.000%
10 Year ARM - 15 yr.
 Rate  APR  Points
 3.125%  3.478%  2.000%
 3.375%  3.581%  1.000%
 3.625%  3.684%  0.000%

Actual interest rates and APRs may vary based on credit history.

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