When you finance your home through Spectrum Credit Union, you get access to customizable solutions and competitive interest rates that fit your needs.
Buying a home is a life-changing experience. Whether it’s your first home purchase or a retirement home purchase, the excitement is truly one of a kind.
Fixed-rate mortgages
With a fixed-rate mortgage, your payment will not change over the course of your loan. Your interest rate is set at the outset and can’t go up or down. We offer fixed-rate mortgages in 30, 20, 15 and 10-year options.
Adjustable-rate mortgages
An adjustable-rate mortgage (ARMs) offers a lower initial interest rate and, consequently, a lower monthly payment. Your interest rate and your payment typically increase as time goes on. We offer ARMs in 15 and 30-year terms, and we provide an initial fixed-rate period of 3, 5, 7, or 10 years before the first rate adjustment.
Jumbo mortgages
A jumbo mortgage allows you to borrow more than $548,250*, the most common maximum limit of conventional conforming lenders. We help you find a jumbo loan package to fit your needs.
"Ms. T was professional in every way … explained everything, great service. I would recommend the Credit Union to everyone."
"Great service from beginning to end. Michael S. was extremely patient answering all my questions through the process. Thanks so much!"
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* Limits will vary depending on your county.
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