Home Loans
Great rates and service: Go local. We’ll help make buying a home fun again.
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Home Loans
Great Rates / Lower Closing Costs
Take advantage of our Home Loan experience and let us help you get into your dream home! Because we are local, we have lower rates than those big lenders and you can’t beat our low closing costs! Plus, your payments stay in the local community.
First-Time Home Loans
We’ve got it all! Whether it’s in-house and brokered mortgages or fixed and variable rates, you name it! We offer terms up to 30 years without the pain of paying outrageous closing costs. We have the flexibility and personalized service you need, so we can do what is best for you!
Get Pre-Approved For A Loan
Find out how much house you can afford before you start looking. Our pre-approval process is easy and makes sure the money is there when you find the house of your dreams. Contact your local branch.
- Contact your local branch / loan officer
- Gather your documents: 2 pay stubs, 2 tax returns, 2 recent bank statements, and a copy of your driver’s license (front and back).
- Search for that perfect house
- Inform your realtor that you’ve already been pre-approved for a mortgage through TransWest Credit Union
Today’s Rates
| Term | Rate | APR* | Maximum |
|---|---|---|---|
| 5 Year Fixed Rate | 5.875% | 6.701% | $600,000 |
| 10 Year Fixed Rate | 6.000% | 6.441% | $600,000 |
| 15 Year Fixed Rate | 6.000% | 6.312% | $600,000 |
| 20 Year Fixed Rate | 6.750% | 7.000% | $600,000 |
| 30 Year Fixed Rate | 6.750% | 6.948% | $600,000 |
| 7 Year Adjustable Rate Mortgage | 6.750% | 6.966% | $600,000 |
| Type | Maximum | ||
|---|---|---|---|
| Home Equity Line | 7.25% APR* | $150,000 |
HELOC Disclosure
The introductory 4.49% APR is for the first 6 months, the introductory rate will convert back to the Variable Annual Percentage Rate (APR) based on the Prime Rate, and will range from 4.25% APR to 18.00% APR based credit worthiness.
Home Equity Lines of Credit (HELOC) are a variable rate and have a 15-year draw with a 20-year term.
1st Lien Jr. Mortgages
| Term | Rate | APR* | Maximum |
|---|---|---|---|
| 5 Year | 6.125% | 6.125% | $150,000 |
| 10 Year | 6.250% | 6.250% | $150,000 |
| 15 Year | 6.250% | 6.250% | $150,000 |
2nd Lien Jr. Mortgages
| Term | Rate | APR* | Maximum |
|---|---|---|---|
| 5 Year | 6.875% | 6.875% | $150,000 |
| 10 Year | 7.000% | 7.000% | $150,000 |
| 15 Year | 7.000% | 7.000% | $150,000 |
| Term | Rate | APR* | Maximum |
|---|---|---|---|
| 10 Year | 7.750% | 8.338% | $400,000 |
| 7 Yr Fixed 30 Yr Adjustable Rate Mortgage | 7.625% | 7.894% | $400,000 |
* Rates shown are Annual Percentage Rates (APR). Rates and terms are subject to change. Rates posted are the lowest rates currently available. Loan To Value, credit score, property, or other restrictions may affect your rate and loan approval.
TransWest Credit Union (NMLS #415974) and its mortgage representatives are registered with The Nationwide Mortgage Licensing System & Registry.