As a direct lender, Calcite CU is happy to service all of your mortgage needs—from residential mortgages and refinancing to home equity, RV loans, even vacant lots! You won’t find many lenders who will work with you on your dream in this way. Plus, our team makes getting started fast and easy.

We take pride in getting you closed on your new house in 30 – 45 days and offer these unmatched services:

  • Loans based on 80% appraised value (not purchase price)
  • Will provide loans for vacant land so you can use it how you want
  • Can cover a manufactured home or a second home
  • Offer Fannie Mae loans with certain restrictions including only 3% down

Residential Mortgage Loans

Looking to purchase a home? Need to refinance to a lower rate? Learn more about our residential mortgage services. When it comes right down to it, we think you will find financing with your Lender is a great option. Your best interests matter most to us and we will work hard to make sure the process is as painless as possible.

Our loan products include a 15-year fixed, 5 year balloon with a 30-year amortization that is based on 80% of the appraised value of the house or vacant land. As well, we offer a Fannie Mae option that covers a 10, 15, 20 and 30-year fixed mortgages.

Visit our Mortgage Center and  you’ll find valuable information to use when buying or refinancing your home.Take your time, there is no rush. The Mortgage Center has lots of information we know you’ll find useful so you can easily become pre-approved before meeting with a realtor.

Talk with your Mortgage Loan Officer about how to get pre-qualified today!
Visit our Mortgage Center today

Rate may vary based on individual creditworthiness
Terms and conditions subject to change without notice

Home Equity Loans

Are you looking to complete that home improvement project, pay educational expenses or consolidate some high interest debt? With a home equity loan from Calcite CU, you can meet your financing needs. We offer great rates, convenient payment options and much more.

A Home Equity Loan provides a fixed rate and fixed payment option so you can budget ahead of time. And the interest you pay using your home equity loan may be tax deductible; consult your tax advisor.

  • Competitive closing fees
  • No pre-payment penalty
  • Everyday low rates
  • Lend up to 80% of the appraised value
  • Can borrow for a term of up to 240 months/20years
Contact us to get started today as our team is ready to help!

Rate may vary based on individual creditworthiness
Terms and conditions subject to change without notice
Subject to credit approval