Home Stretch Mortgage

Home Stretch Mortgage

Relax, you're in the home stretch!

While everyone's situation is a little different, the bottom line is we'd all like to pay off our mortgage sooner.  That's why we call this product the Home Stretch Mortgage (HSM). If you've been paying your current mortgage down and have at least 30% equity in your home, you can probably see the light at the end of the tunnel – that’s when our HSM might be exactly what you need to get to the finish line.

  • No closing costs
  • Loan amounts from $25,000 — $500,000
  • Pay off your home in 5, 7, 10 or 15 years 
  • Pay less interest
  • No application fee
  • Receive up to 70% loan-to-value
  • No escrow requirement
  • Available to members residing in IL, IN, WI and MO


*APR = Annual Percentage Rate. Home Stretch Mortgage must be secured by owner occupied real estate, in IL, IN, MO and WI. Minimum loan amount $25,000. Minimum loan rate 5.40%. Maximum loan rate 6.00%. Payment Example: Home Stretch Mortgage with an interest rate of 5.40%, 12 monthly payments of $85.80 per $1,000.  Refer to hacu.org or call our loan department for additional information. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral. Loan to value of 70% or less. Property insurance is required. Additional disclosures will be sent after application is received, please retain a copy for your records.


*% as low as
APR 5.65%*


 View all loan rates

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