Mortgages

First, to open the door to your dreams.

Looking to buy, build, or refinance a home? St. Jean’s Credit Union has a mortgage to make it possible and affordable.

All our mortgage programs offer:

First-Time Home Buyer Program

Buying a home may be one of the biggest investments you’ll make in your lifetime. Our First-Time Home Buyer Program can help you get the home you want with the low monthly payments you need.

A low competitive fixed rate
Reduced closing costs
Lower down payment

Fixed Rate Mortgages

If you plan to stay in your home for many years, we offer a fixed rate mortgage giving you the predictability of knowing exactly what your loan payment will be every month.

Low, competitive rates
15, 20, and 30 year term loans
Zero point options

Adjustable Rate Mortgages

This mortgage option offers a fixed rate for a set term, then the rate adjusts annually, depending on market rates.

Low, competitive rates
Choose from 5, 7 or 10 year ARM options
Keeps initial payments low

Mortgage Refinancing

Your needs can change – so can your mortgage loan. Refinancing your existing mortgage can lower your monthly payments, shorten the term of your loan, or take cash out to make home improvements.

When you refinance with us, you’ll get:

A competitive rate
Fixed- and adjustable-rate options

Vacation/Second Homes

Purchasing a vacation property or second home? We have adjustable- and fixed-rate mortgages to fit your budget.

Competitive rates
Fixed and adjustable options
Flexible terms