There's no place like home

Whether you’re looking to purchase your first home, your next home, a vacation home or an investment property, real estate loans can be confusing. There’s so much to consider: fees, inspections, points, appraisals, insurance requirements and more.

To help you make healthy decisions, HealthCare Associates is with you every step of the way to make the process as easy as possible.

A HealthCare Associates Credit Union mortgage professional will be happy to meet with you to analyze your current situation, discuss your needs, and determine how we can best serve you.

Home Stretch Mortgage

You can see the daylight at the end of the tunnel – that’s when a Home Stretch Mortgage might be exactly what you need.

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



1st Mortgages

Mortgage pre-approval helps take the stress out of home buying. Members learn exactly what they can afford before shopping for a new home, and gain leverage during the offer and negotiation stages.

Types of Loans

  • Thirty-Year Fixed Rate Mortgage
  • Fifteen-Year Fixed Rate Mortgage
  • Hybrid ARM (5/1 ARM, 7/1 ARM, 10/1 ARM)
  • Adjustable Rate Mortgages (ARM)

Get a free consultation to learn more about what type of loan best suites your needs.



Golden Reverse Mortgage

Similar to the FHA Reverse Mortgage, a Golden Reverse Mortgage from HealthCare Associates allows you to supplement your income using the equity that exists in your home. This is perfect for homeowners looking toward retirement who need additional income to enjoy that time of their life.

  • Applicants must be 62 years old or older
  • No monthly mortgage payments
  • Fees payable from proceeds of the transaction
  • Product available only in Illinois

REQUEST INFO or call 800.942.0158 and speak with a Loan Representative.



*Loan approval is subject to credit approval and program guidelines. Available on single family, owner occupied residences only. 80% Loan-to-Value or lower. Terms and conditions may apply. APR=Annual Percentage Rate. Payment includes principal and interest only, your payment will be higher. Interest Rates are subject to change without notice.