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Where to Start

Information For First-Timers

About First-Time Homebuying

Congratulations! We're pleased to be help you buy your first home. The more you know about the home-buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

The Mortgage Process

We've streamlined the entire mortgage process to bring you a faster, more advanced way to finance your home. Start by finding your best rate. Or use our calculators to find out if you're ready to buy, how much you can afford and more.

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Purchasing A Home

Purchasing a Home

Buying a new home is exciting and the process of financing it is now faster and easier than ever before.

The Mortgage Process

We've streamlined the entire mortgage process to bring you a faster, more advanced way to finance your home. Start by finding your best rate. Or use our calculators to find out if you're ready to buy, how much you can afford and more.

Check RatesCalculatorsApply

Start Saving By Refinancing

Refinancing a Home

If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt, or plan a home improvement project.

The Mortgage Process

We've streamlined the entire mortgage process to bring you a faster, more advanced way to finance your home. Start by finding your best rate. Or use our calculators to find out if you're ready to buy, how much you can afford and more.

Check RatesCalculatorsApply


Online Mortgage Center

Your mortgage loan prequalification is just minutes away! It's easy to apply with Civic Federal Credit Union and our partner, Credit Union Mortgage Association, Inc. 

Experience the "credit union mortgage advantage" with reduced paperwork and hassle-free online mortgage applications. The Mortgage Center has lots of information to help you begin your homeownership journey at any stage. And you'll always have a personal lender to talk with during the process. Enjoy a more convenient member experience online and by phone.



NMLS# 2064196




Today's Rates
Today's loan rates
RatePointsAPRPayment
30 Year Fixed - Conforming
Interest Rate6.750%Discount Points0APR6.914%Payment Amount$1,946
30 Year Fixed - 3% Down Pmt
Interest Rate6.875%Discount Points0APR7.040%Payment Amount$1,971
15 Year Fixed - Conforming
Interest Rate6.375%Discount Points0APR6.639%Payment Amount$2,593
10/1 Year ARM - Conforming
Interest Rate7.375%Discount Points0APR7.782%Payment Amount$2,072
5/1 Year ARM - Conforming
Interest Rate7.375%Discount Points0APR7.980%Payment Amount$2,072
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