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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.

Apply for a HELOC

Apply for a mortgage

Check Mortgage Rates

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

Partnership with KHC

Through our partnership with the Kentucky Housing Corporation, we’re now able to offer even more home loan options to better fit your life!

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!

Learn more about Full Home Lending here

Loan Features

100% financing available
Repayment terms ranging from 10 to 30 years
Fixed and Adjustable Rate Mortgage (ARMs) Options
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

Apply Online

Buying a house or accessing your home's equity starts here.

Schedule an Appointment

Have questions? Our mortgage experts can help you find the perfect mortgage product for your perfect home.

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.

Start Getting Credit

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Asurionhome+

Enjoy home tech protection and 24/7 live support. With asurionhome+, you can get whole home device protection, tech support, data security, and more—all in one plan.

Get Protected

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Financial Empowerment

Explore fun and engaging tools to empower you to grow your financial knowledge and further your financial success! Learn about mortgage contracts, the home buying process, how to access your home's equity, and more!

Get Started with Common Cents