Ready to make a move? We're with you every step of the way.
No origination fee
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
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:
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.
Questions? Contact us!
If you have questions about mortgage rates, which type of mortgage is best for you, or how to get started, fill out the form below and we’ll have a Mortgage Specialist contact you.
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.