Mortgage Loans

Whether you’re a first-time home buyer, UP-SIZING, or downsizing, we have a product that fits you

Types of loans we offer


Conventional Loan

  • 15, 20, & 30 year fixed rate terms
  • Serviced by CFCCU
  • Local underwriting & credit decisions
  • Flexible down payment options, with a 5% minimum required
  • Cash-out refinances up to 90% LTV

In-house mortgages

  • Terms up to 30 year amortization with 5 to 10 year fixed rates
  • Loan held in-house and serviced by CFCCU
  • Low closing fees
  • No escrow
  • 100% financing available

Construction & Lot Loans

  • Lesser of 90% of Construction Costs or 80% LTV
  • Construction draws paid to contractors
  • Interest only payments
  • 1 year maturity
  • Borrow must be approved for permanent financing

CFCCU partners with Premier Lending Alliance for government loans (i.e. FHA, VA, and USDA).

To complete an application for a government loan or obtain more information, please contact Dawn Saterfield.

 [email protected]


Financing your Home with CFCCU

Imagine finding the perfect home for your family, but when it comes to the mortgage, you’re not even sure where to start. That is where CFCCU can help. We will assess your budget, lifestyle and needs in order to find the best mortgage product tailored to you. CFCCU assists from the very beginning of origination through the closing of the loan. We will provide the answers rather than leaving you with more questions.


To request a mortgage rate quote, contact one of our mortgage experts for assistance. Interest rates can change daily.

Jennifer Haugen
[email protected]

per year
per year

Your total monthly payment

Principal & Interest
Home insurance
Property taxes

Ready to start your next steps into your new home?

Mortgage Rates for the purchase of a home or refinancing an existing first mortgage can change frequently — sometimes daily! Your best option for determining available rates is to call the CFCCU mortgage lending staff at 319.266.7531.

Below is the NMLS information for each MLO employed by the Cedar Falls Community Credit Union NMLS# 434893.

• Helen Pearce – 779985
• Chad Kaeppel – 445923
• Jennifer Haugen – 862961
• Kelli Aikey – 658414
• Micki Denner – 658418
• Lindsy Graham – 2096336
• Dawn Saterfield – 24490

Secure and Fair Enforcement for Mortgage Licensing Act of 2008
On July 28, 2010 the Nation Credit Union Association (NCUA) and other Federal Agencies published a final rule to implement the federal registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). The registration requirements apply to all employees acting in the capacity of a Mortgage Loan Originator (MLO). The S.A.F.E. Act requires all MLO’s to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Once registered, each MLO is provided a Unique Identifier from the NMLS. An MLO must provide this Unique Identifier to each mortgage loan applicant upon request and prior to the employee acting as an MLO. For more information about the registry, please visit the NMLS.