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Home Loans

Home Loans

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Home Loans

Purchase or Refinance your home with Excite and you may save money!

Check Rates          Apply Now

Save up to $750!

Take advantage of our $500 credit towards your closing costs!

PLUS earn an additional $250 towards your home purchase or refinance

with our Fast Track Rewards Program.*

Ask us for details!

First Time Home Buyer Program with Freddie Mac Home Possible®

The Freddie Mac Home Possible® mortgage program offers more options and credit flexibilities than ever before to help more borrowers attain the dream of owning a home.

In addition to its down payment requirement of as little as 3%, Home Possible now offers more options to responsibly increase homeownership. Co-borrowers who do not live in the home can be included for a borrower’s one-unit residence, borrowers are permitted to have another financed property, and more –all with competitive pricing and the ease of a conventional mortgage.

By offering this program, we’re helping to provide affordable solutions and enhance our communities at the same time.  For more information on the Freddie Mac Home Possible® program please contact one of our Mortgage Loan Officers.

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Freddie Mac CreditSmart® Homebuyer U

Learn about buying a home with Freddie Mac CreditSmart Homebuyer U. This free tool gives you helpful tips and meets the homebuyer course need for the HomePossible program. You’ll find useful tools and trackers that show you what’s involved in buying a home, making the whole process clearer and easier. Available in English and Spanish.

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Loan Options


Adjustable-Rate Home Loans

A powerful tool to maximize your borrowing, adjustable-rate mortgages (ARM) from Excite Credit Union provide low-cost and high reward home loan options. We offer three unique types of 30-year ARMs, including 3/1, 5/1, and 7/1. These mortgages will adjust their rates every one year after an initial fixed period. 

Other benefits of an adjustable-rate home loan include:

  • Taking advantage of falling interest rates
  • Low introductory rates
  • Up to $2M

Learn More       Rates         Apply Now   

 

Fixed-Rate Home Loans

Ranging from 15 to 30-year terms, Excite Credit Union’s fixed-rate mortgages may be the best financial decision for you and your family.

This type of home mortgage provides security and predictability in many ways, including:

  • Fixed payments from month-to-month
  • Protection from rising rates
  • Competitive interest rates

Learn More        Rates         Apply Now       

 

Refinance Loans

No matter how you want to refinance your home, trust Excite Credit Union to deliver the outcomes you want in any situation. 

We offer refinanced home loans in a variety of terms, including:

  • 30 Year Fixed
  • 20 Year Fixed
  • 15 Year Fixed
  • 3/1, 5/1, and 7/1 ARM

Learn More        Rates        Apply Now 

 

Home Equity Line Of Credit (HELOC)

Get access to a revolving line of credit using the equity value in your home. Use funds to finance exactly what you need, tapping into a resource that remains open to you no matter when, how, or where you want it. 

Discover outstanding features such as:

  • Variable rate
  • Easy access to funds
  • No annual fee

Learn More     Rates     Apply Now


Home Equity Loan

Instead of a revolving line, you’ll receive a lump sum of cash up front. You repay the loan over time with fixed monthly payments. Most home equity loans have a fixed interest rate, where each monthly payment reduces your loan balance and covers some interest costs. 

Discover outstanding features such as:

  • Fixed rate
  • Receive funds in a lump sum
  • Loan amounts up to $250,000

Learn More     Rates     Apply Now

 


Home Loans Calculator

Enter your information below to determine how much your home loan would cost over time.

Home Loan FAQs

A: The amount of down payment you need for your fixed rate home loan will depend on certain qualifiers. Most experts suggest a payment of at least 20% the total cost of the home. For additional advice on your unique circumstances, please reach out to Excite CU.

A: Determining the best type of home loan rate for you depends on a variety of personal factors. While fixed rate home loans provide set monthly payments, adjustable rate mortgages offer lower initial costs. For homeowners interested in stable monthly payments, fixed rate mortgages are the best option.

A: When you apply for a mortgage with Excite Credit Union, you will automatically earn a $500 closing cost credit. Our $250 Fast Track Rewards will be paid if your mortgage application is completed with all documents and signatures within five days of applying. The credit will be applied at the time of closing.

A: If you've applied for a loan, such as a mortgage or home equity loan, you may have noticed an increase in calls, texts, or emails from other lenders. These unsolicited offers are called "trigger leads" or targeted advertising and are generated through credit bureau lead-sharing programs.

Your information was not sold by Excite Credit Union.  View our Privacy Policy to learn more about how we use your information.

Disclosure

*Earn a $250 closing cost credit when you complete all credit, income, and asset documentation requirements for underwriting evaluation within 5 business days of your mortgage application receipt date. If all requirements are met, the credit will be applied at closing.

Please note: The subject property must be a single family home occupied by the Member as their primary residence; located in California or North Carolina; mobile homes are excluded. Offer cannot be used for an existing home equity line of credit. 

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