Lock in your rate while shopping for your dream home with our Consumers Lock & Shop Program!

• Offer available for new and existing members
• Available for purchase of owner-occupied primary residence
• 0.25% APR over current market rates for 90 days
• Float down to a lower rate if the market is better when you find a home
• $500 collected during rate lock and refunded at close

Single-family homes | Warrantable condos | Non-warrantable condos

The standard for home mortgage loans. Select your term (10, 15, 20 or 30 years) to create a loan that fits your family. All loans feature low closing costs and no prepayment penalties.

As a way to say thank you for your service, we are offering special 0% down mortgage deals for our members who work in the public service! Eligible members include full-time police officers, firefighters, EMSs, teachers, and RNs.

The Rundown:

• 0% Down
• NO PMI
• Save money with no lender fees

As a way to say thank you for your service, we are offering special zero down mortgage deals for our members who work in the medical field! Eligible members include contracted full-time MDs, DOs, PAs, NPs, CRNAs, and DMDs!

Fixed or ARM options include:

• 0% Down no PMI up to $750K
• 5% Down over $750K
• Student loan payments excluded

Bridging the gap between selling and purchasing your dream home.

This solution is a short-term home loan designed to help people transition seamlessly from their current home into a new one.

• Uses equity in current home prior to sale for a down payment on the new home
• Borrow up to 85% of either 2X the SEV or the appraised value of the home
• New home mortgage must be with Consumers
• Appraisal fee (if required) and application fees will apply

These low and zero money down mortgage options are especially perfect for first-time home buyers or those wanting to keep some money in their pockets for new furniture, paint or just a rainy day.

Life isn’t perfect – bumps and bruises happen. If your credit isn’t perfect, an FHA loan just might make your day.

Hybrid ARMs offer a cheaper way for borrowers who don’t plan on living in one place for very long to buy a house at a lower than standard fixed rate for various terms.

10% down on single-family homes and 20% down on 2-4 units

Low-rate ARMs offer a cheaper home loan option for borrowers who don’t plan on living in one place for very long.

We honor our active military and veterans by offering a no down payment path to homeownership. Additional benefits include fixed rate, no prepayment penalties or PMI; the allotment of gift funds up to 100%; and an up to 100% cash out refinance option. Apply Now

With local servicing, processing and underwriting, we’re willing to make your dreams of homeownership come true with flexible home financing options:

• Non-traditional, non-conforming properties
• Large acreage
• Non-warrantable condos – up to 95% LTV
• Self-employed borrowers
• Jumbo financing
• Unique credit profiles