Mortgages

Whether you are looking to purchase, refinance, build a home or just looking to know how much you can qualify for, PeoplesChoice Credit Union offers a complete package of mortgage products to assist in servicing your needs.

Choose from a fixed rate or adjustable rate mortgage for financing your primary owner occupied residence, second home (non-owner occupied) and/or investment property.

1 YEAR ARM MORTGAGE

With a low 2.282% APR* the numbers speak for themselves: borrow 100,000 for 30 years and you’ll pay as little as $378.18 a month**. Whether you choose to refinance your current home or buy a new one, this mortgage could be for you.

*Annual Percentage Rate. Note rate is 2.17%. Rate accurate as of February 27, 2013 and subject to change. Rate subject to a member’s credit score. Repayment at this rate will be $3.78 per thousand borrowed. Payments do not include taxes and insurance, which increases your payment obligation. 80% financing available or 20% down payment required. **Interest rate can change annually by 1.50% and lifetime by 6% based on 1 Year Treasury rate.

7 or 10 YEAR FREEDOM MORTGAGE

Maybe you’re just looking for a short-term first mortgage at a great rate. Or maybe, in addition to that mortgage, you want to borrow a little extra to finally afford that dream vacation. It doesn’t matter to us, because at PeoplesChoice, we are here to support the individual needs and desires of our members – our valued co-owners.

Our Freedom Mortgage is aptly named. Freedom implies choices – and choices are what enable you to live your dream.

• 7 Year Mortgage – Call 1-877-785-6328 for current rate.
  
• 10 Year Mortgage – Call 1-877-785-6328 for current rate.
• Low Monthly Payments
• Closing Cost of Only $999***
• Short-term First Mortgage

***Closing costs are fixed at only $999. Purchase loans are subject to higher closing costs.

Call any one of our branches today to learn more about this revolutionary mortgage product with its great rate, low closing costs and low monthly payments.

HOME EQUITY LOANS

For members that already own a home, you may qualify for a low interest, low cost, variable rate home equity loan. The loan is secured by the equity in your home. A maximum credit line is established and you may draw funds as you desire with a minimum withdrawal of $500.00. Interest is calculated only on the outstanding balance that is borrowed. Our home equity loan is a great choice for active money management with rates lower than credit cards or personal loans. Usually, the interest on a Home Equity Loan is tax deductible but check with your tax advisor to be sure. Funds may be used for any purpose such as a new car, college tuition, bill consolidation, home improvements and so much more.

Click here, call 1-877-785-6328 or come in to any of our four convenient branches and become a member today!