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Home Mortgage Loans

Century Federal offers the personalized mortgage financing experience that our members have come to expect. One of our Mortgage Loan Consultants will coordinate your loan process from start to finish. They will ensure that your borrowing experience is as quick and efficient as possible and that you receive the best possible loan rate!

Let's begin with a few basic questions.

Are you looking to purchase or refinance?
What type of mortgage option are you searching for?

A fixed-rate mortgage has an interest rate that remains the same for the life of the loan. In other words, your monthly principal and interest payments won't change. Fixed-rate mortgages tend to have a higher interest rate than an adjustable-rate mortgage, or ARM. This is an option to consider for those who plan to stay in the home they want to purchase for 15+ years.

An adjustable-rate mortgage, or ARM, is a home loan with an interest rate that can change periodically. This means that the monthly payments can go up or down. Generally, the initial interest rate is lower than that of a comparable fixed-rate mortgage. This is an option to consider if you plan to stay in your home for 15 years or less.

What type of property is this?
How much do you want to put down?

It looks like you're ready to buy a home!

We understand that you may not be at the stage of buying yet, but we recommend a consultation with one of our mortgage financing professionals to help guide you every step of the way during your home buying process.

Fixed-Rate Mortgage

Check out our current fixed mortgage rates: 

Want to lower your closing costs?

Do you want to pay lower closing costs? Your closing costs can be as low as $250 for a fixed rate mortgage. Check out the rates for our low cost-mortgage:

It looks like you're ready to buy a home!

We recommend a consultation with one of our mortgage financing professionals to help guide you every step of the way during your home buying process.  


If you are looking to put down 15% or less of the home value, our partner myCU mortgage is happy to assist you. 

 

Are you a veteran or are you interested in a VA or FHA loan?

VA loans are for veterans who have served in the United States military and have veteran loan entitlement. 

Federal Housing Administration program (FHA) loans are for home buyers looking for flexible credit guidelines and requirements and/or lower down payments.

Our partner myCU mortgage offers VA/FHA loans to veterans and to those seeking alternative home financing options. Learn more through a consultation with one of our mortgage loan consultants.