Mortgage

Mortgages

Go big and go home.

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Whether you’re looking to purchase or refinance, whether you’re just starting your search or want to upgrade your home, we’ll help you achieve your next milestone. Even if you’re still in the dreaming stage, we can work to develop a financial roadmap for your goals.

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Ready to go? Apply today to get the ball rolling and get yourself closer to moving into your dream home.

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Embold home loan experts are standing by. We’ll help you create a plan to make your dream a reality.

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Member Perks

Save $5003 off closing costs. The Member Perks4 begin when you have a savings account, a checking account, are enrolled in eStatements and one additional deposit account or loan product with us.

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Banking Boldly has its rewards. Our friends at TruStage® Insurance¹ can help you get a great home insurance policy at a great discount.

Explore your options

Choose the Mortgage that's right for you

Fixed Rate Mortgage

  • Best Option For

    Best Option For

  • Maximum Loan Amount

    Maximum Loan Amount

  • Terms

    Terms

  • Minimum Down Payment/Loan to Value (LTV)

    Minimum Down Payment/Loan to Value (LTV)

  • Property Eligibility

    Property Eligibility

  • Occupancy

    Occupancy

Fixed Rate

  • Best Option For

    Those looking for consistency in their budget

  • Maximum Loan Amount

    $806,500

  • Terms

    15, 20, 30 years

  • Minimum Down Payment/Loan to Value (LTV)

    As little as 3% down*

  • Property Eligibility

    1 to 4 unit, Condo, Manufactured home with Land

  • Occupancy

    Owner Occupied, 2nd home, Investment

Disclosures

Other restrictions may apply under certain circumstances. Down payment assistance is also available for qualified borrowers.

*3% down applies to purchase transactions for first time homebuyers where all borrowers will
occupy the property. Property must be a one-unit owner occupied single family residence or
condominium. The downpayment does not include closing costs.

First Time Homebuyer

  • Best Option For

    Best Option For

  • Maximum Loan Amount

    Maximum Loan Amount

  • Terms

    Terms

  • Minimum Down Payment/Loan to Value (LTV)

    Minimum Down Payment/Loan to Value (LTV)

  • Property Eligibility

    Property Eligibility

  • Occupancy

    Occupancy

First Time Homebuyer

  • Best Option For

    Getting into that first home with a low down payment

  • Maximum Loan Amount

    $806,500

  • Terms

    15, 20, 30 years

  • Minimum Down Payment/Loan to Value (LTV)

    As little as 3% down*

  • Property Eligibility

    1 to 4 unit, Condo, Manufactured home with Land

  • Occupancy

    Owner Occupied

Disclosures

Other restrictions may apply under certain circumstances. Down payment assistance is also available for qualified borrowers.

*3% down applies to purchase transactions for first time homebuyers where all borrowers will
occupy the property. Property must be a one-unit owner occupied single family residence or
condominium. The downpayment does not include closing costs.

ITIN Borrowers

  • Best Option For

    Best Option For

  • Maximum Loan Amount

    Maximum Loan Amount

  • Terms

    Terms

  • Minimum Down Payment/Loan to Value (LTV)

    Minimum Down Payment/Loan to Value (LTV)

  • Property Eligibility

    Property Eligibility

  • Occupancy

    Occupancy

ITIN Borrowers

  • Best Option For

    If you have a Individual Tax ID instead of a Social Security Number

  • Maximum Loan Amount

    $806,500

  • Terms

    15, 20, 30 years

  • Minimum Down Payment/Loan to Value (LTV)

    As little as 3% down*

  • Property Eligibility

    1 to 4 unit, Condo, Manufactured home with Land

  • Occupancy

    Owner Occupied, 2nd home

Disclosures

Other restrictions may apply under certain circumstances. Down payment assistance is also available for qualified borrowers.

*3% down applies to purchase transactions for first time homebuyers where all borrowers will
occupy the property. Property must be a one-unit owner occupied single family residence or
condominium. The downpayment does not include closing costs.

Refinance

  • Best Option For

    Best Option For

  • Maximum Loan Amount

    Maximum Loan Amount

  • Terms

    Terms

  • Minimum Down Payment/Loan to Value (LTV)

    Minimum Down Payment/Loan to Value (LTV)

  • Property Eligibility

    Property Eligibility

  • Occupancy

    Occupancy

Refinance

  • Best Option For

    Lower your rate or get cash to pay off debts or home improvement

  • Maximum Loan Amount

    $806,500

  • Terms

    15, 20, 30 years

  • Minimum Down Payment/Loan to Value (LTV)

    95% LTV for no cash out, 80%* on cash out

  • Property Eligibility

    1 to 4 unit, Condo, Manufactured home with Land

  • Occupancy

    Owner Occupied, 2nd home, Investment

Disclosures

Other restrictions may apply under certain circumstances. Down payment assistance is also available for qualified borrowers.

*Manufactured homes can only go up to 65% at a maximum term of 20 years on a cash out refinance.

*Investment property can only go up to 75% on a cash out refinance.

Jumbo Mortgage

  • Best Option For

    Best Option For

  • Maximum Loan Amount

    Maximum Loan Amount

  • Terms

    Terms

  • Minimum Down Payment/Loan to Value (LTV)

    Minimum Down Payment/Loan to Value (LTV)

  • Property Eligibility

    Property Eligibility

  • Occupancy

    Occupancy

Jumbo Mortgage

  • Best Option For

    Loan amounts higher than conventional limits

  • Maximum Loan Amount

    $2.5 million

  • Terms

    15, 20, 30 years

  • Minimum Down Payment/Loan to Value (LTV)

    Up to 89% LTV for purchases and no cash out refinances, up to 80% on cash out refinances

  • Property Eligibility

    1-4 unit and Condominiums

  • Occupancy

    Owner Occupied, 2nd home, Investment Property

Disclosures

Other restrictions may apply under certain circumstances. Down payment assistance is also available for qualified borrowers.

Adjustable Rate Mortgage

  • Best Option For

    Best Option For

  • Maximum Loan Amount

    Maximum Loan Amount

  • Terms

    Terms

  • Minimum Down Payment/Loan to Value (LTV)

    Minimum Down Payment/Loan to Value (LTV)

  • Property Eligibility

    Property Eligibility

  • Occupancy

    Occupancy

Adjustable Rate

  • Best Option For

    An opportunity for a lower rate

  • Maximum Loan Amount

    $806,500

  • Terms

    15, 20, 30 years

  • Minimum Down Payment/Loan to Value (LTV)

    5% including closing costs

  • Property Eligibility

    1 to 4 unit, Condo

  • Occupancy

    Owner Occupied, 2nd home, Investment

Disclosures

Other restrictions may apply under certain circumstances. Down payment assistance is also available for qualified borrowers.

Current mortgage rates

Run the numbers

Questions? We have answers

How you’ve handled your finances in the past helps us understand what to expect in the future. That’s why a good score can help you qualify for a better interest rate.

That said, your credit score is only one consideration in the lending process. Other considerations include your income, your monthly payment obligations and the loan term you select.

At Embold, we’ll work with you to understand your entire financial profile to ensure you get the loan and the rate that’s right for you.

Yes, it’s called a cash-out refinance. With this type of refinance, you can pay off your existing mortgage(s), pay off debts to simplify your financial situation, or get money for home improvements, college, weddings, or just life.

Yes. Your regular monthly payment is a combination of principal and interest. If you want to make a payment exclusively on your principal balance, you can include money in addition to your regular monthly payment and designate it as a principal payment. We design our loans to make this easy, should you want to do so. By making extra principal payments, you can pay off your loans sooner and save money on interest.

Yes. An appraisal establishes the value of your home. Since we can’t issue a loan for more than your home is worth, we need this information in order to move forward. We’ll schedule the appraisal while reviewing your loan application.

There's more to explore

Visa Credit Cards

It’s time to Bank Boldly. Whether you’re looking for fixed rates or flexible rewards, we have a credit card option for you.

Learn about Embold Visas

Member Perks

Add more to your membership and reap the rewards. With Member Perks, you can earn more on the money you’re saving and save more on the money you’re borrowing.

Perk it up

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Disclosures

1) TruStage® Auto and Home Insurance program is offered by TruStage® Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

2) Embold Credit Union is registered with the National Mortgage Licensing System (NMLS #709344). Visit the NMLS Consumer Access link below to confirm our registration and that of our Mortgage Loan Originators. NMLS Consumer AccessSM, is a free service for consumers to confirm that the financial-services company or professional with whom they wish to conduct business is authorized to conduct business in their state.

3) $500 closing cost offer is specific to new mortgages at the time of origination.

4) Applicable products include: share certificate, IRA, money market (personal or business), personal loan or line, credit card, auto loan, home equity line, mortgage, business loan, or investment services. Loan discount applies to auto loans (personal and business), boat, RV, motorcycle, personal loans, business unsecured term loans, and consolidation loans. Loan discount does not apply to: personal lines of credit (PLOC), Platinum Visa, Rewards Visa, Business Visa, mortgage, HELOC, RELOC, commercial real estate loans, shared secured loans, or seasonal loans.