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Home Loans

 There's almost nothing more exciting than buying your first home. Or your second. Or your third. We can help you make your big move by guiding you to a mortgage that fits your finances.

We promise to make you feel right at home

One floor or two. Raised ranch or classic Victorian. City, suburbs, or small town. When you're house-hunting, there are a lot of decisions to make. The same goes for your home loan. At Commonwealth Credit Union, our lending team will gladly explain the details of all our mortgage options.
  • Fixed-rate loans that offer stable monthly payments
  • Adjustable-rate loans that feature lower initial interest rates
  • Federal Housing Administration (FHA) loans that come with lower down payments and flexible credit guidelines
  • VA loans for active duty military personnel, veterans, and reservists
  • USDA loans for home buyers who want to live in rural areas or certain suburbs 

Full Home Lending

Your home, your future, to the fullest! Full home lending covers the gamut from home equity line of credit, first home savings plus, and any other home-related loans. Simply put: if you're looking for a solution when it comes to your dream home, we might be able to empower you to lay the foundation! 

Loan Features

  • 100% financing available
  • Repayment terms ranging from 10 to 30 years
  • Fixed and Adjustable Rate Mortgage (ARMs) Options
  • Financing for investment properties
  • Refinancing options available
  • Get information at our Mortgage Web Center 

First-Time Home Buyers

Saving up for a down payment on your next home can be a challenge. We're happy to pitch in with a special savings program.
  • Must open a First Home Savings Plus Account and make monthly deposits to qualify
  • Meet with a home loans expert to set up your savings goal
  • We will match 25% of the funds you save, up to $750*
  • Your saved funds can be used for a down payment on your home or for other home-buying expenses
  • Matched funds will be applied to your closing costs
To learn more, or schedule an appointment, call 800.228.6420 or 502.564.4775

 Special Deals for Home Buyers

As a Commonwealth Credit Union member, you have access to special discounts on services geared toward home buyers.
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Rental Karma

Save up to 30% on the monthly fee. This service collects and reports your past and ongoing rental payments to the credit bureaus on your behalf, which can increase your credit scores in a hurry.

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Full Home Lending logo - small
Sure, “Full Home Lending” might sound complicated, but simply put, it’s any of these: home equity line of credit, first and second mortgages, first home savings plus, and any other home-related loans. That means if you need a solution when it comes to your dream home, we can give you a reason to raise the roof…and an extraordinary loan experience to boot!
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Purchase Mortgages
Behind every SOLD sign, there's a story waiting to be written. Let's help you get started.

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Mortgage Refinancing
Sometimes the right home just doesn't have the right mortgage. Let's fix that  - so you're happy with both.

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Home Equity Line of Credit
You work hard for the place you call home. Let it repay the favor.
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Second Mortgages
Want to tap into your home's equity but don't want a line of credit? You've got options.
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First-Time Home Buyers
Saving up for a down payment? What if we said we'd pitch in?

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Get the card that's going places

Start earning rewards with a Commonwealth Credit Union MY Card, our premier credit card with Everyday Rewards. 

All loans subject to approval.