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We offer an array of mortgage products to best fit your needs - both fixed and adjustable. Plus, you may be eligible for a closing cost credit of up to $2,000 or a lower interest rate on select loan programs! Call us at 800-558-2056 to find out more.



Where to Start

Information For First-Timers

About First-Time Home Buying

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


It's easy with Democracy Federal Credit Union and our partner, Credit Union Mortgage Association, Inc.

Your mortgage loan pre-qualification is just minutes away! Experience the "Credit Union Mortgage Advantage" with reduced paperwork and hassle-free on-line mortgage applications. 

We have revolutionized the process to make it quick, easy, and more convenient for our members.  

Apply now and get pre-qualified in just minutes!


NMLS# 500301

Today's Rates
Today's loan rates
RatePointsAPRPayment
15/15 ARM - Conforming
Interest Rate6.250%Discount Points0APR6.722%Payment Amount$1,847
5/5 Year ARM - Conforming
Interest Rate7.000%Discount Points0APR7.241%Payment Amount$1,996
30 Year Fixed - Conforming
Interest Rate7.000%Discount Points0APR7.167%Payment Amount$1,996
Jumbo 30 Year Fixed
Interest Rate7.375%Discount Points0APR7.514%Payment Amount$7,597
20 Year Fixed - Conforming
Interest Rate6.500%Discount Points0APR6.713%Payment Amount$2,237
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Buying a home?