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Home Loans

Whether you're buying a home, refinancing, planning to build, adding a pool, or looking to use your home equity to finance other purchases, you've come to the right place.

At Insight Credit Union, we offer a wide variety of highly competitive mortgage products, and a staff of knowledgeable and friendly professionals who can guide you through your options every step of the way.

Our interest rates are not only competitive, but we've also eliminated many of the fees that most other financial institutions typically charge. So you can save lots of money by financing your home with us!

Conventional Mortgages

We can finance 97% of the appraised value or the actual purchase price of your home, whichever is lower. If you are looking to refinance, we can refinance up to 97% of the appraised value. Pre-approvals are available. Choose from the following first mortgages:
  • 10-Year Fixed
  • 15-Year Fixed
  • 20-Year Fixed
  • 30-Year Fixed
  • Jumbo Mortgages
  • Land Only
  • Vacation Homes
Get a rate quote or apply online!

Home Equity Line of Credit

If you already own your home, a home equity line of credit can be a great way to finance a wide variety of major purchases. A home equity line uses the equity in your home for security and we can lend to you at a very competitive rate. If your home's loan to value is 80% or less, you may be eligible for a home equity line of credit-ranging from a minimum of $5,000 to a maximum of $100,000 . You can access your line of credit - at your convenience with checks or in person. Use it to buy a car, RV or boat. Pay off bills, take a vacation, remodel the kitchen, whatever you choose.

Construction/Perm Loans

When you're ready to build, Insight Credit Union is ready with your mortgage. One initial closing covers the construction period (up to 12 months) through permanent financing. After construction, we can modify your loan to a fixed-rate mortgage, and you can lock in at a competitive rate. We'll finance up to 80% of the appraised value of your home. 

Get a rate quote or apply online!

Land/Unimproved Property

If you've found land to buy with the idea of building sometime in the future, we can finance the purchase. We'll finance up to 70% of the appraised land value or the purchase price, whichever is lower. The loan can range from a minimum of $5,000 to a maximum of $150,000, and the maximum size of the property is five acres.