Family moving into their new home.

Mortgage

We are proud to offer our members customizable loan options to fit their different needs and times of life.

Whether it's your first or fourth purchase - our team promises: 

  • An easy application process (we'll give you a convenient checklist of required documents and fill out the application for you!)
  • No application fee with a 1% origination fee
  • Expert assistance
Already have a mortgage? We make refinancing easy!

Our HELOC program is easy-to-use and allows you to tap into your homes equity as you need it.

  • Perfect to access cash for home remodel projects, vacations, college expenses, and more.
  • Lines of $5,000 to $50,000 (not to exceed 80% of appraised value in total loans)
  • Borrow what you need, as you need it, over 10 years at a variable rate as low as Prime
  • Charge expenses to your Home Equity Visa card, take a cash advance against the Visa, or call us to transfer funds from your HELOC to checking.
  • Monthly Payments are calculated on 1.5% of the existing balance ($100 minimum). Pay interest only on what you borrow. Use it for 10 years and take 10 more years to repay.  
Borrowing against your equity can be set up as a loan (home equity loan)—where you receive one lump sum and repay it with interest over time for debt consolidation, home improvements, and more...

  • Borrow $5,000 to $100,000 (not to exceed 80% of appraised value in total loans)
  • Get a fixed rate (often lower than a credit card or signature loan)
  • Monthly payments that work with your timelines and budget

MORTGAGE LENDING DISCLOSURES

Home Equity Loan:  *APR = Annual Percentage Rate. Contact credit union for rates.  Property types:  Manufactured Homes must be title eliminated.  No Condos.  Loan payment based on term.  Member must provide hazard insurance coverage. ** If the mortgage is paid off and closed within the first 36 months, all closing costs previously paid by Community 1st Credit Union will be due, if any.  All loans subject to credit approval and other underwriting criteria.  NMLS #403439

1ST Mortgage (Traditional):  *APR = Annual Percentage Rate. Contact credit Union for rates. APR is based on type of loan, credit score, and LTV. Financing available on owner and non-owner occupied homes in Washington State. Property types:  Manufactured Homes must be title eliminated.  No Condos.  Borrow up to 80% of appraised value based on type of home/property not to exceed $548,250.00. Only first liens are eligible. Loan payment based on term. Member must provide hazard insurance coverage. Impound account required. All loans are subject to credit approval and other underwriting criteria. NMLS #403439

Home Equity Line of Credit (HELOC):  *APR = Annual Percentage Rate.  Contact credit union for rates.  Variable rate on Premier Equity Line of Credit may change monthly and is based on Prime Rate published in the Wall Street Journal with added margin of 0.25% - 4% based on your credit history.  In no event will the regular APR be less than the floor rate or more than the lesser of 18% per annum or the maximum rate allowed by applicable law.  Payments calculated on 1.5% of existing balance ($100 min). Financing available on owner-occupied homes in WA State. Property types:  Manufactured Homes must be title eliminated.  No Condos.  **Minimum opening balance of $15,000 required for free appraisal.** If the mortgage is paid off and closed within the first 36 months, all closing costs previously paid by Community 1st Credit Union will be due, if any.  All loans subject to credit approval and other underwriting criteria.  NMLS #403439

Simple Mortgage:  *APR = Annual Percentage Rate.  Contact credit union for rates. Financing is available on owner-occupied homes in Washington State that do not already have a 1st mortgage with Community 1st Credit Union. Property types:  Manufactured Homes must be title eliminated.  No Condos.  Borrow up to 70% of appraised value not to exceed $150,000.  Minimum loan amount is $30,000.  Only first liens are eligible.  Loan payment based on term.  Member must provide hazard insurance coverage. **If the mortgage is closed within the first 36 months, all third party costs will be due at payoff.  Full appraisal cost, if required and mutually agreed upon, are not included.  All loans are subject to credit approval and other underwriting criteria. NMLS #403439


CONSUMER LENDING DISCLOSURES


Visa Cards: * APR = Annual Percentage Rate. Variable APR will be based on your creditworthiness. Contact credit union for rates. See the credit card application for terms & conditions.

GO! Auto Approval Program:  APR = Annual Percentage Rate. All rates and terms are subject to change. All loans are subject to approval. Your rate and term are determined by your credit history and loan amount. Offers do not apply to existing Community 1st loans and are non-transferable. Interest will accrue during 90 day no payment offer. Other restrictions may apply.

Skip-a-payment: *Not all loans will qualify for the option to skip one payment per 12 months. Skip a pay not valid until after 1st year.

RVs, Boats, and Motorcycles:  * APR: Annual Percentage Rate. Additional rates & terms available. Ask for details. Contact credit union for rates. Rates & terms are subject to change. All loans subject to approval of credit. Actual rate is determined based upon credit history.

Credit Protection:   This product is optional. Your purchase of Credit Protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with Community 1st Credit Union. We will give you additional information before you are required to pay for Credit Protection. This information will include a copy of the contract containing the terms and conditions of Credit Protection. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving Credit Protection benefits. You should carefully read your Credit Protection contract for a full explanation of the terms and conditions of the Credit Protection plan.

Signature Loan: All loans subject to approval of credit and our lending policies. Your interest rate based on your credit history. Your term is based on your purchase price and/or loan amount.

Holiday Signature Loan: APR is Annual Percentage Rate. Loans are subject to approval of credit. Rates are based on credit history. Other rates may apply. Holiday Loan offer is valid from November 1st through December 31st each year.