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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 
 

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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! 
 

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

Government Loans

We can assist with FHA, VA and USDA/RD loans. Click here to apply for a government loan.

To learn more, or schedule an appointment, call 800.228.6420 or 502.564.4775
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Apply Online

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

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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.

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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 homebuying process, how to access your home's equity, and more!








Frequently Asked Questions

Call us at 502.564.4775 or 800.228.6420.
Email us at mortgages@cwcu.org.
To report an error on your home loan, please email us at reporthomeloanerror@cwcu.org.
To obtain information regarding your information, please email requesthomeloaninfo@cwcu.org.
Our mailing address in regards to mortgage products is:

Commonwealth Credit Union
ATTN: Home Loan Servicing
PO BOX 978
Frankfort, KY 40601-0978














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. 

Find a Loan Originator


Louisville Road Branch
1425 Louisville Road, Frankfort, KY 40601
 
Brande Adams
502.564.4775, Ext. 7563
badams@cwcu.org
 
James Williams
502.564.4775, Ext. 5379
jwilliams@cwcu.org
 
Meijer Way Branch
280 Meijer Way, Lexington, KY 40503
 
Debbie Patterson
502.564.4775, Ext. 5567
dpatterson@cwcu.org
 
Market Street Branch
900 West Market Street, Louisville, KY 40202
 
Shelley Chaney
502.564.4775, Ext. 5402
schaney@cwcu.org