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Mortgages

Fixed Rate Options
Ready to make a move? We're with you every step of the way.
No origination fee
Fixed-rate loans
Competitive rates

First Mortgages for Buying a New Home

There are several different mortgage options for buying a new home. Choosing the right type of mortgage for you is important in your home buying journey. At Copper State Credit Union, our mortgages feature:
 
  • No origination fee which can save you an average of $2,5001
  • Competitive rates
  • Fixed-rate2 mortgages available
  • Loan terms from 5-30 years
  • A Mortgage Loan Specialist provides guidance from start to finish
  • Finance amounts vary by lending program
  • VA and FHA loans available 
Need to make your payment? We have an online banking tool available specifically for mortgages. Check it out.

Learning the lingo and figuring out which option is best for you can feel overwhelming. Here is a basic description of the types of loans we offer:

Fixed-Rate Mortgage: A fixed-rate mortgage is a loan with a 15- or 30-year term that has the same rate during the entire term of the loan. There are additional loan options available from 5 to 30 year terms. Your monthly mortgage payment is the same each month until the loan is paid off. You can use our Mortgage Calculator below to estimate what your payment could be. While you have a mortgage on your home, Copper State Credit Union holds the title/deed to your home. When you pay the mortgage off, your name will go on the title/deed as the owner of the home.

To ensure you’re choosing the right mortgage, call 623.580.6000 or 800.224.3330 to set up an appointment with a Mortgage Loan Specialist. If you’re ready, you can start your pre-approval process so you can make an offer with confidence.

Refinance Your Home Mortgage

Refinancing a mortgage you have elsewhere to Copper State CU is easy. The same fixed-rate options are available to you as well. Often, our members like to capitalize on equity they have in their home by also taking out a Home Equity Line of Credit or Second Mortgage when they refinance. To determine how much you could save on your monthly mortgage payment, use the Mortgage Calculator below.

We encourage everyone looking to refinance their existing mortgage to call 623.580.6000 or 800.224.3330 to speak with a Mortgage Loan Specialist. This helps to ensure you’re getting the best mortgage option for your home.

Manage Your Mortgage

Did you know we have a tool in online banking JUST for your mortgage? You can use this widget to check your mortgage balance, set up statements and most importantly, make your payment!

You must be enrolled for online banking in order to use this tool. See below for quick instructions to access your mortgage widget.

  1. Log in to online banking
  2. Click More from the menu on the left
  3. Click Widget Options
  4. Scroll down to Available Widgets and find the House icon labeled Mortgage
  5. Click the + Add symbol to add the Mortgage widget to your active widgets

Note: You will see a green banner confirming the widget was added successfully. You can close this pop up.

  1. Click More from the menu on the left and you will now see your Mortgage widget listed. The widget is now available.
If you need any assistance accessing this tool please contact us.


Mortgage and Mortgage Refinance Calculator

Use our Mortgage Calculator to estimate your payment on a first mortgage or how much you could save by refinancing your existing mortgage to Copper State Credit Union.
 
Disclosure
1Savings amount is based on a $250,000 mortgage loan with an average 1% origination fee.

2APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. For a $250,000 loan with a 20% down payment at 3.19% APR for a 30 year term, the monthly payment would be $843 (excluding property tax and insurance); for a $250,000 loan with a 20% down payment at 2.81% APR for a 15 year term, the monthly payment would be $1,345 (excluding property tax and insurance). 1% Origination Fee may apply.