House with colorful garden

Home Mortgages

Spectrum has a mortgage solution that fits your needs.


Purchasing a home is probably one of the most important life decisions you’ll ever make, that’s why you’ll benefit from having a partner like Spectrum Credit Union.


With great rates and helpful, friendly Mortgage Relationship Managers, Spectrum Credit Union (Spectrum) makes it easy to purchase a home, refinance a loan, or get secondary financing. We are committed to helping you find the right mortgage product to fit your needs.

Spectrum also has one of the lowest closing fees for home loans in the industry. We charge just a flat fee of just $695 for our in-house processing, much lower than any of the big banks.


Fixed Rate Mortgages

Fixed rate mortgage payments will not change over the life of your loan because your interest rate is 'fixed' and cannot change. Spectrum offers fixed rate mortgages in 30, 20, 15 and 10-year options.


Adjustable Rate Mortgages

Adjustable Rate Mortgages, ARMs, offer a lower starting interest rate and therefore, a lower monthly payment. Your rate and your payment may increase, though, as time goes on. Spectrum Credit Union ARM's are available in 15-, and 30-year terms and provide an initial fixed rate period of 1, 3, 5, 7, or 10 years before the rate adjusts.



Need to borrow more than $510,400?* A Jumbo Mortgage may be your answer. We offer a variety of Jumbo loans to meet your needs.


Learn More and Get Started

Spectrum Credit Union is committed to helping you make sound financial decisions and find the right mortgage product to meet your needs. Visit our online mortgage application for more information on our available loans and to start your application. Our Mortgage Relationship Managers will help you every step of the way.


Learn More and Start Your Application!


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