Low Rates + Personalized Support

City & County Mortgages

Affordable homeownership, expert guidance, and a stress-free path to your dream home.


 

Couple searching for home together on couch

Unlock the Door to Homeownership

Imagine unlocking the door to your very own home, ready to create a lifetime of memories. At City & County, we're by your side with mortgages offering competitive rates, flexible terms, transparent fees, and a dedicated team supporting you from house-hunting to housewarming.

  • Low down payments: Start with as little as 3% down.
  • Competitive rates: Keep more money in your pocket.
  • Free pre-approval: Shop with confidence, knowing your budget.
  • Variety of loan options: Find the perfect fit for your needs.
  • Award-winning service: Recognized by Forbes as a Best in State Credit Union.

Get Your Questions Answered & Get Started

 

Woman signing for home loan

Low Down Payments

Owning a home shouldn't break the bank. We offer competitive down payment options, including our Heroes & Experts Program for even lower down payments.

EXPLORE RATES

Frequently Asked Questions (FAQs)

What documents do I need to get a mortgage?
  • Copies of pay stubs for each applicant
  • Names and addresses of employers from the past two years
  • W-2s from the past two years
  • Bank Statements from the past two months
  • Other sources of income — Pension, Dividends, Child Support
  • Information on debts such as car loans, student loans, and credit cards 
What type of loan programs does City & County offer?
  • Purchase & Refinances — including second homes and investment properties
  • Conventional, Federal Housing Administration (FHA) and VA mortgages
  • Fixed Rates up to 30 year terms and Adjustable Rates
  • 15 year Streamline refinances
  • Jumbo Loans
What is the difference between APR and an Interest Rate?

The Interest Rate is the interest you pay each month on the unpaid balance of your mortgage. An Annual Percentage Rate (APR) is the interest rate plus any extra fees involved in getting a mortgage. This can include the origination fee, points, private mortgage insurance, underwriting, and processing fees. The APR is intended to aid buyers as they shop and compare mortgages.

What are closing costs?

Closing costs can vary depending on the lender, but typically include appraisal fees, title insurance fees, attorney fees, prepaid interest, and documentation fees. You will get an estimate of closing costs before you close on the loan.

What is PMI?

Private Mortgage Insurance (PMI) is insurance meant to protect lenders against loss if a borrower stops paying down their mortgage loan. PMI is usually required when your down payment is less than 20% of the value of the home you are purchasing. This is typically added into the monthly mortgage payment.

Member Testimonial

Man and woman standing in front of their home
“I have been a member for about a half a century. I had a mortgage, home improvement loan, car loan, refinance (more than once) for college. Every time, City and County was there to help, with no hassles. I have recommended them many times and never regretted it. Thanks for everything, it has made my life much easier.”
Pat R, CCCU Member

Disclaimers

3% down payment available for fixed-rate purchase loans only. Offer not available in all states. Payment example: On a $300,000 owner-occupied (primary residence) home loan at a rate of 6.375% or 30 years, the monthly payment would be $1,871.61 resulting in a 6.571% APR. Payment does not include applicable taxes and insurance and may result in a higher payment. Rate as of 08/20/2024. Offer subject to change at any time. Other restrictions may apply. Contact Credit Union for details. Equal Housing Opportunity.