Whether you’re a first-time home buyer, UP-SIZING, or downsizing, we have a product that fits you
Types of loans we offer
- 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
- 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
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
Your total monthly payment
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.