Mortgages

Let us help you find the perfect loan!

Getting pre-qualified is like getting an estimate from a lender, detailing how much of a loan you can likely afford. It serves more as a guide of what you may qualify for, rather than a conditional loan approval.

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Conventional Mortgages

• Fixed terms of 10, 15, 20 and 30 years
• 5% minimum down payment options
• Refinancing available, including cash out, so you can access your home's equity for remodeling projects, debt consolidation and life's other expenses
• Financing also available for vacation homes and investment properties

HomeReady Loans

Have you been thinking about buying a home, but not quite sure if you qualify for a mortgage loan? With a Pillar Credit Union HomeReady Mortgage, we’ll help you buy a home, hold onto savings and save money throughout the life of your loan – with as little as 3% down. And unlike other home loans, your down payment and closing costs can be funded from a gift from a relative.

• $500 Cash Reward after the 60th on-time mortgage payment.
• Lower PMI or NO PMI options available (Private Mortgage Insurance)
• Smaller down payment (as a little 3% down)
• Helps First Time and Repeat Homebuyers obtain Home Ownership
• You can include non-occupied co-borrower income.

Rural Development Loans (USDA)

If you thought U.S. Department of Agriculture (USDA) loans were just for farmers – think again. Program guidelines are very specific – but don’t let that stop you from achieving your homeownership goals. Many homes in Marion, Morrow, Crawford, Wyandot, Richland, and Hancock Counties meet the guidelines! Our USDA financing professional will help you navigate through the USDA loan process and determine if you are eligible. Visit www.usda.gov to see if your potential home qualifies.

• 100% mortgage LTV based on the APPRAISED value
• Zero down payment and there is no minimum contribution required
• 30 year fixed rate only
• Low Interest rates
• Flexible Credit Guidelines
• Not limited to first time homebuyers

Contact us or apply online today.

Jennifer Gross
Mortgage Loan Processor
NMLS #1919911
740.389.9960 x321
jgross@pillarcu.com

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