Mortgage Solutions

Conventional home loans, designed to meet the needs of both first-time buyers and experienced homeowners, are available through Family Savings Credit Union. These fixed-rate mortgage options provide flexible terms of up to 30 years, giving borrowers predictable monthly payments and long-term stability. With all loan decisions made locally, members benefit from fast, personalized service and guidance throughout the home buying or refinancing process. Family Savings Credit Union is committed to offering competitive rates and tailored support to help members achieve their homeownership goals with confidence and ease.

Family Savings Credit Union offers government-backed home loans, including FHA, VA, and USDA options, to help make homeownership more affordable. FHA loans are great for first-time buyers and those with lower credit scores, requiring as little as 3.5% down. VA loans are available to eligible veterans, active-duty service members, and some spouses, offering no down payment and no mortgage insurance. USDA loans provide 100% financing for qualifying buyers in rural or suburban areas. All loans are subject to credit approval, and the credit union’s local team is available to guide members through the process.

Imagine the Possibilities! Go Ahead... Dream Big! We are always dreaming of an exciting project or adventure, but we don't always have the funds handy. Family Savings CU has a quick, easy way to get you started on fulfilling your big dream! Simply apply for a Home Equity Line of Credit and unlock the extra cash available in your home.

With our quick turn-around time, you will have the power to get started on your next adventure. An FSCU Home Equity Line offers:

• A low competitive rate
• Possible tax deductions for our interest payments (consult your tax adviser)
• Generous credit limits up to 85% of the value of your home
  
  

Land loans from Family Savings Credit Union can help you buy the perfect piece of property, whether you're planning to build your dream home or invest in land for the future. With flexible terms and helpful local service, our team is ready to guide you through the land loan process from start to finish. Whether it’s a quiet spot in the country or a river lot, we’ll work with you to find the loan that fits your needs.

Get a construction loan to help bring your “brand new house” dreams to life. These loans are tailored to cover construction costs, and our Family team works with you from start to finish. Because decisions are made locally, you’ll enjoy personalized service and clear guidance throughout the loan process. With Family Savings Credit Union, you'll have a trusted local partner making your home construction project achievable.

In the market to finance a manufactured home? We have options to meet your needs. We offer competitive rates and flexible terms, whether you're purchasing a new or pre-owned manufactured home. Our local lending team provides personalized service and clear guidance throughout the entire process, making homeownership more accessible. We understand that every member’s situation is unique, so we will work closely with you to find a home loan that fits both your needs and your budget. With a commitment to friendly, dependable service, we make it easier to move forward with confidence.

Second mortgages are fixed‑rate home equity loans that allow members to borrow against the value of their home after their first mortgage. This type of loan provides a lump‑sum advance with a fixed interest rate and predictable repayment schedule, typically over terms such as 10 or 15 years. With local decision‑making by Family Savings Credit Union lending specialists, members receive personalized service and efficient processing for a smooth and easy loan experience.