Mortgage Products

Home Equity Line Of Credit

With a variable rate credit union Home Equity Line of Credit you can use the equity in your home to make home improvements, consolidate high-interest debt, finance your education, and much more. Once your line is approved, you’ll have the freedom to access the approved funds simply by writing a check! As you repay the portion of the loan you’ve accessed, the funds become available to you again. Home Loan closing costs are waived unless line is closed within 2 years of opening.

Home Equity Loans/Second Mortgages

If you prefer the predictability of a fixed a fixed rate and payment, a Home Equity Loan is the product for you. You can use the equity in your home to make improvements or consolidate high-interest debt, or if you simply want to pay off your existing mortgage with a low interest credit union mortgage, we can help. The entire loan amount will be released to you at the closing and you’ll have a set payment and term.

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Mortgage Markets CUSO

WCTFCU has partnered with Mortgage Markets CUSO, a credit union service organization that provides a variety of innovative mortgage programs, as well as the excellent member service you expect from your credit union. They offer consistently lower rates you can rely on, and you can apply on line in about 15 minutes!

By joining with other credit unions and Fannie Mae in a cooperative effort, Mortgage Markets CUSO is able to offer leading edge technology that reduces the application process to about 20 clicks of your mouse. And you can print out a formal commitment letter directly from Fannie Mae in about 15 minutes!

Rock bottom rates, excellent member service, and a simple on-line application – That’s the credit union difference. Apply today!

Mortgage Markets CUSO ... a credit union service organization

Click here to enter the Mortgage Markets CUSO website.

Reverse Mortgages

A Reverse Mortgage is a product designed for homeowners age 62+, that turns the equity in their home into cash that can be used for any purpose. They can enjoy lifetime use of their home, without making monthly payments. We has partnered with BCI Financial Mortgage Corporation to bring this product to qualified members. Please contact a credit union loan officer for more information, or click here.