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Mortgage Options

Let’s Get You Home

Buying your first home? Refinancing? Figuring out your next move? We’ll walk you through it with clear steps, real answers, and helpful people who know what they’re doing.
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Start Here

Wherever You’re At, We’ll Meet You There

No two home journeys look the same. Whether you're just starting to explore or ready to take the next step, we’ll help you understand your options and move forward with confidence.
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Guidance A Team You Can Trust

Buying a home can feel overwhelming, but it doesn’t have to. We'll walk you through each step, answer your questions, and make sure you feel confident from pre-approval to closing.
Clarity Clear Every Step of the Way

No guesswork, no surprises. You’ll always know what’s happening, what’s next, and what to expect—so you can keep moving forward without second-guessing.
Flexibility Options Built Around You

Your situation is unique. Your mortgage should be too. We’ll help you explore options that fit your goals, timeline, and financial picture.

Featured / Current Rates

Rates that help spark what’s next. From vehicles and homes to savings and certificates, explore our current featured rates.
View All Rates
3.04
% APY*
Interest-Earning Account
5.49
% APY*
Auto Loans
6.50
% APY*
30-Year Fixed Mortgage
4.35
% APY*
12 Month Certificate
Let’s get started

Tell Us About Your Homebuying Journey

Everyone’s situation is different. Start with what sounds like you, and we’ll guide you to the right next step.
I Am A First-Time Homebuyer

New to the process? We’ll break it down, answer your questions, and help you feel confident every step of the way.
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I am Buying or Refinancing a Home

You might be upgrading, downsizing, or refinancing—wherever you’re at, we’ll guide you to the right loan and make the process smooth and straightforward.
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I am Navigating Non-Traditional Financing

Self-employed or have a unique income situation? We’ll work through it with you and find solutions that make sense for your reality.
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I am Planning My Next Chapter

Not quite ready yet? That’s okay. We can help you understand your options, build a plan, and get you in a strong position when the time is right.
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Real Members.
Real Stories.

Buying a home is a big moment. Here’s what it’s like working with us, from people who’ve been there. 
Hannah

Way to exceed expectations!

It was a great experience. I was told it could take up to 30 days... I closed in two weeks. Hannah and the entire processing team were great and provided updates. I closed with Magan, and she was excellent, too. Way to exceed expectations!

Barbra K.

Magan

Knowledgeable, professional, and genuinely friendly

I cannot speak highly enough about Embers Credit Union. Transferring my consumer loans and HELOC was seamless from start to finish. The staff was knowledgeable, professional, and genuinely friendly. Magan was especially great to work with, always responsive and helpful throughout the process. I would confidently recommend Embers for mortgage services.

 

Kienan and Kristine E.

Mortgage FAQs

Questions, Answered

Buying a home comes with a lot of questions. Here are the ones we hear most often, so you can feel more prepared and confident throughout the process.
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Do I need to find a house before I apply for a mortgage?

No, most realtors prefer that home buyers are pre-approved by a financial institution prior to looking at houses to be sure they are searching in their accurate price range. By being pre-approved you shorten the length of time needed to process your mortgage loan allowing you to move into your new home sooner. In addition, sellers prefer to know that potential buyers are pre-approved when presented with an offer to purchase.

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Is an escrow account required for taxes and insurance?

In certain circumstances an escrow account may be required. Escrow accounts are highly recommended to our members in order to ensure timely payments of taxes and hazard insurance. With an escrow account, we handle the payment of taxes and insurance for you, allowing you to have one less thing to worry about paying on time. Should you have a question about an escrow account, you may contact your loan officer or stop by any of our offices.

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Is there a penalty to pay off my mortgage early?

No, we do not have a pre-payment penalty or early termination fee associated with any of our mortgage products.

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What documents do I need to apply for a mortgage?

  • One month's worth of pay stubs.
  • W-2s from the last two years.
  • Tax returns from the last two years (if self-employed).
  • Your two latest bank statements.
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How long does the mortgage process take?

When purchasing a home, the mortgage process generally takes 30 days. Refinances are generally processed in 45 days.

Can I pay extra in addition to my regular payment?

Yes, you can pay extra in addition to your regular payment at any time which results in a shortened loan term. This extra amount will be applied as a principal only payment, reducing your current balance, but will not affect your next payment due date.

Ready When You Are

3,000 Mortgages, Plus Yours

Ready to apply? Start here. Want to talk it through first? We’re here for that too.
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