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Home loans

Whether you’re buying your first home or your forever home, HealthCare Associates Credit Union (HACU) has the right mortgage for you. From competitive rates to flexible loan options, we have all the services you need to finance your next home with confidence.

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4-step home buying journey with HACU

At HealthCare Associates, we’re here to make the mortgage process as smooth and stress-free as possible. Our mortgage experts are ready to sit down with you, understand your goals, and find the perfect loan that fits your needs.

Let’s make your homeownership dreams a reality!

01

Get prequalified

02

Connect with agent & house hunt

03

Find the right
mortgage

04

Close with
confidence

Apply online

Mortgage options

Fixed-rate mortgages

Lock in a consistent rate and predictable monthly payment for the life of your loan. A fixed-rate mortgage gives you long-term stability so you can plan ahead with confidence, whether you are buying your first home or refinancing.

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Perks of a fixed-rate mortgage with HACU:

  • The interest rate remains fixed for the life of the loan.
  • Your monthly principal and interest payments stay stable.
  • The loan is available in multiple term options, including 15, 20, and 30 years.
  • You are protected from market rate increases.

No-PMI mortgages

Skip the added cost of private mortgage insurance (PMI) and keep more money in your pocket each month. Our no-PMI mortgage option helps you move into your home faster with fewer ongoing expenses.

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Perks of a no-PMI mortgage with HACU:

  • Private mortgage insurance is not required.
  • The loan is available with up to 90% loan-to-value.
  • Your monthly payments are lower compared to traditional PMI loans.
  • This is a flexible option for qualified borrowers.

Refinancing Options

Life changes, and your mortgage can too. Refinancing may help you lower your rate, reduce your monthly payment or use your home’s equity to reach new financial goals.

Refinance your mortgage View our rates

 

Perks of refinancing your mortgage with HACU:

  • You may have the opportunity to secure a lower interest rate.
  • You can choose to shorten your loan term.
  • You have the option to convert from an adjustable-rate mortgage (ARM) to a fixed-rate loan.
  • Cash-out refinancing is available for renovations, debt consolidation, or major expenses.

We’ll help you evaluate your options and determine whether refinancing aligns with your current goals.

What others are saying

View All Testimonials ❯
❛❛

I received a prompt response to my online application. Stacy clearly explained the loan process, verified some information, and told me exactly what to expect next. As always, it has been a pleasure working with HACU staff—they are knowledgeable and pleasant.

Dana M.

❛❛

Jeremy N. was incredibly kind and helpful in processing my loan. He explained everything clearly and in detail. I truly appreciate all of his assistance—thank you so much!

Veronica V.

❛❛

Gaby was so nice and helpful! We were exploring a loan, and she went out of her way to guide us through the process and make everything easy. Thank you, Gaby!

David O.

Mortgage loan FAQs

What types of mortgage loans do you offer?

Our competitive, fixed-rate mortgages can be used to purchase a home, refinance your current home, and are available in 10-, 15-, 30-, and 20-year terms.

How do I apply for a mortgage?

You can apply online or with help from one of our Care Team members.

How long does the mortgage process take?

The average mortgage takes about six weeks to process.

Can I refinance my current mortgage?

Yes, apply online or speak with a member of the Care Team to discuss your refinancing options.

What closing costs should I expect?

Closing costs vary significantly based on factors including property type, loan amount and location. You will want to talk to a Care Team member to understand your situation better, but expect to pay 2%-5% of the loan amount in closing costs.

Are there prepayment penalties?

No, you are not penalized for paying any part of your loan early.

Ready to get started?

Apply in online banking

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