Home Loans
Home Loans
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.
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
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
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
Home Equity Line Of Credit (HELOC)
Get access to a revolving line of credit using the equity value in your home. Use pooled 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:
- Low-cost funds accessible for any need
- Check, online banking, and in-person withdrawals
- Affordable monthly payments
FHA Loans
With all the uncertainty a new home can bring, looking into a Federal Housing Administration mortgage may be the perfect decision for you and your family.
Get incredible deals on your next home with:
- Low down payments (3.5% of the purchase price)
- Zero earning limits or income ceilings
- First-time buyer services
- Fixed-rate loan options
VA Mortgages
To all active-duty military, veterans, and reservists - Excite Credit Union salutes your service! VA members have access to low cost, flexible mortgages that may greatly improve your home buying process.
Enjoy benefits such as:
- 100% financing
- No down payment for qualified borrowers
- Fixed-rate loans options
- Flexible credit guidelines
Home Loans Calculator
Enter your information below to determine how much your home loan would cost over time.
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.