Home Loans

Purchase or Refinance your home with Excite and save money.

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.

Earn Rewards

And take advantage of our $500 credit towards your closing costs!

Earn an additional $250 towards your home purchase or refinance with our Fast Track Rewards Program.*

Ask us for details!

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 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

Learn More

Apply Now


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

Learn More

Apply Now


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

Learn More

Apply Now


Home Loans Calculator

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Meet Our Mortgage Team

Excite Credit Union has experienced mortgage loan officers ready to help with all your home financing needs!

Meet the Team



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