Mortgages

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A mortgage with us means much more than a home.

It’s the American dream. For our members, we make it your CommunityAmerica dream — a home to call your own plus a bigger potential Profit Payout1.  In fact, the average Payout for our qualified mortgage holders was $346 this year.

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The neighborly way to buy a home.

Purchasing a home is one of the biggest decisions most people make. We want you to do it with confidence, so we’re with you every step of the way. Since we’re Kansas City’s neighborly credit union, you’ll work with a local mortgage specialist from the beginning. We know the market. We’ll get to know you. Together, we’ll find the right home and the right mortgage. 

Get Pre-Qualified

Some advantages of refinancing your mortgage with us:

Lower your monthly payments

If mortgage rates are lower than when the home was originally financed, you could be looking at lower monthly payments.  

Choose Adjustable or Fixed rate

Some homeowners prefer a Fixed Rate Mortgage for added stability. Interest rates fluctuate, so the thought of a competitive fixed rate is appealing. A fixed rate means fixed payments for the life of the loan and the peace of mind that accompanies that stability.

Other homeowners prefer an Adjustable Rate Mortgage (ARM), with (lower) rates being locked for a specified number of years. After that point, interest rates adjust periodically, based on the ARM term. Many of our ARMs are available with no Private Mortgage Insurance (PMI) and with 10% loan-to-value (LTV).

Change from ARM to Fixed or vice versa

The term refers to the amount of time you’ll have to pay back the loan. Some people, for example, elect to refinance from a longer term to a shorter term to pay off their loan faster and save considerable money on the total interest over time.


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