Home loans are complex and a local lender like Consumers is better poised to help you than an online lender.

Getting a mortgage through an online lender seems easy—until it’s not. Online lenders promise easy applications, documentation and processing, but they fall short for many. If you are new to homebuying, have less-than-perfect credit, are self-employed, have had multiple jobs in the last two years, or simply want the best deal, nothing compares to working with your local credit union.

Personal, local service

At Consumers, our mortgage loan officers live and work locally. They take pride in helping members at every step of the homebuying process.

If you have questions, they’ll provide answers. No lengthy chatbot conversations that end up directing you to make a call where you’ll wait even longer for answer here. Our loan officers provide timely, personalized service. On the phone, by text (through our mortgage app), or by email—whatever works best for you.

Plus, lending decisions at Consumers are made locally—not in some other city or state. Our established relationships with local real estate agents, appraisers and title companies help keep your mortgage on track to close on time. This is especially helpful in situation like a non-conforming property that requires extra attention.

Up-front rates and terms

Some, not all, online lenders require borrowers to supply their personal information before they’ll provide a quote on interest rates and terms. Call us old-fashioned on this one, but we believe rates and terms should be transparent. Our current mortgage rates are always posted online for everyone to see.

Online lenders are just like every other business—they need to make money on their service. That’s why homebuyers need to comparison shop and look at the total cost of a loan. This includes interest rate, points and fees. Higher rates and fees may be the price of online convenience.

Get personal service AND online convenience

At Consumers, you get the both of both worlds: personalized mortgage advice and convenient online and mobile home mortgage applications. Whether you fill out your application in person, online or using our app, you’ll get top-notch service and answers when you need them from a mortgage loan officer you’ll know by name and who will guide you every step of the way.

First-time and repeat home buyers: We’re here for you

Whether you need a mortgage pre-approval or are ready to buy a home, we’re here to help with your home loan. We especially like helping first-time buyers and making their path to homeownership as hassle-free as possible. Get started here or give us a call at 800-991-2221.

Consumers helps more than 2,000 members finance land, first and second homes, and home improvement projects each year. We’d love to help you with a mortgage or home equity line of credit; contact us online or call us at 800-991-2221.