Home Loans
Whether you’re buying your first home, a vacation property, refinancing your mortgage, or using your home equity for a remodel, our dedicated team will work with you every step of the way.
Our experienced team is registered with the Nationwide Mortgage Licensing System and Registry (NMLSR). Reach out to any of our professionals for personalized guidance today.
| TERM | APR AS LOW AS*1 | LOWEST EXAMPLE OF ESTIMATED MONTHLY PAYMENT PER $1000 |
|---|---|---|
| 5 Year Balloon | 5.19% APR | $5.49 |
| 10 Year Balloon | 5.39% APR | $5.61 |
| 10 Year Fixed | 5.39% APR | $10.80 |
| 15 Year Fixed | 5.49% APR | $8.17 |
| 30 Year Fixed | 5.49% APR | $5.67 |
N.E.W. Credit Union offers financial calculators to assist with the homeownership process. Please use the following for research purposes and let us know if you have any further questions.
N.E.W. Credit Union is partnered with AmeriCU Mortgage to provide comprehensive mortgage solutions, ensuring we meet all of our members’ home financing needs.
A Home Equity Loan can be a smart way to pay off high-interest credit card debt by consolidating multiple balances into one lump-sum loan with a fixed monthly payment. This can simplify your finances and potentially lower your overall interest rate.
Alternatively, a Home Equity Line of Credit (HELOC) is a great option for home improvement projects, such as remodeling your kitchen. If you prefer to complete your project gradually and pay as you go, a HELOC provides flexible access to funds when needed.
Whichever home equity option you choose, the funds you borrow are yours to use for what you need.
| HOME EQUITY LINE OF CREDIT | APR AS LOW AS*1 | VARIABLE RATE |
|---|---|---|
| Revolving | 7.25% APR | Minimum payment is $1.75 for each $100.00 of outstanding balance, or $100.00, whichever is greater. APR is variable and may adjust on January 1 and July 1 of each year. The interest rate is based on an index of the current yield on U.S. Treasury securities as of the first Monday of the previous November and the first Monday of the previous May adjusted to a constant maturity of one year as made available in the Federal Reserve Statistical Release H.5. |
*1Annual Percentage Rates (APRs) effective as of 03/02/25 and are subject to change. Please be aware that Personal Unsecured Signature Loan rates may vary based on, term, credit history, and credit score. Share Secured and Share Certificate Secured Loan rates are based on current share rates, plus 2%. *2Additional Share Certificate Secured Loan terms are available.
Get on the path to your new home or your next big project. With any of N.E.W. Credit Union’s home loan options, you’ll have the support you need to follow through the whole way.
Speak with a Mortgage Loan Originator or Loan Specialist today.
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