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A Better Way To Buy
Buying a home is a big step. It should feel clear, not overwhelming. We break it down, move at your pace, and help you feel confident from your first question to closing day.
Simple, Clear Steps
We make the process straightforward so you always know what’s happening next. No confusion. No surprises. We’ll lay out clear steps from pre-approval to closing.
Featured / Current Rates
Rates that help spark what’s next. From vehicles and homes to savings and certificates, explore our current featured rates.
Built Around You
No two buyers look the same. Your loan should reflect that. Explore options based on your goals, your budget, and how you plan to buy.
A strong option for many buyers. Competitive terms, flexible structure, and room to choose what works best for your long-term plans.
FHA and USDA loans can lower the barrier to entry. Smaller down payments, sometimes as little as 0% down, for greater flexibility. We’ll help you figure out what you qualify for.
Lock in a steady rate and predictable monthly payment. A solid choice if you want stability and long-term planning confidence.
Our Process
No two homebuyers are the same. That’s why we offer flexible loan options designed to fit your goals, your timeline, and your financial picture.
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Application
ApplicationStart in the Kitchen
Every home buying journey starts with a conversation. After getting to know you better, we'll cook up your appetite and begin discussing the budget you'll be hungry for.
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Verification
VerificationTime for the Office
Now we move to the Office, where it’s time to crunch the numbers. We’ll gather a few documents to verify your income and assets, like pay stubs, W-2s, and bank statements. Once everything checks out, we can lock in your rate and you’re ready to start house hunting.
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Valuation
ValuationWelcome to the Living Room
You’ve found the home. Now, take a breath! While you picture life in your new space, we’ll handle the appraisal to confirm the home’s value. Once we receive the report, we’ll share it with you within a few days so everything keeps moving forward.
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Title
TitleOn to the Bathroom
Almost there. We’ll work with a title company to make sure everything is clean and ready to go, confirming ownership, reviewing any liens, and making sure there are no surprises. Once everything checks out, we’ll set your closing date.
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Closing
ClosingFinal Step: The Bedroom
It’s closing day! You’ll sign the paperwork, bring your ID and down payment, and make it official. Then you get the keys and head home, ready to spend your first night in a place that’s finally yours.
Start in the Kitchen
Every home buying journey starts with a conversation. After getting to know you better, we'll cook up your appetite and begin discussing the budget you'll be hungry for.
Time for the Office
Now we move to the Office, where it’s time to crunch the numbers. We’ll gather a few documents to verify your income and assets, like pay stubs, W-2s, and bank statements. Once everything checks out, we can lock in your rate and you’re ready to start house hunting.
Welcome to the Living Room
You’ve found the home. Now, take a breath! While you picture life in your new space, we’ll handle the appraisal to confirm the home’s value. Once we receive the report, we’ll share it with you within a few days so everything keeps moving forward.
On to the Bathroom
Almost there. We’ll work with a title company to make sure everything is clean and ready to go, confirming ownership, reviewing any liens, and making sure there are no surprises. Once everything checks out, we’ll set your closing date.
Final Step: The Bedroom
It’s closing day! You’ll sign the paperwork, bring your ID and down payment, and make it official. Then you get the keys and head home, ready to spend your first night in a place that’s finally yours.
What Could Your Payment Be?
Run the numbers and get a quick estimate of your monthly payment. It’s a simple way to understand your budget before you start shopping.
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.
It was a great experience
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.
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.
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.
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.
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.
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.
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.
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.
3,000 Mortgages, Plus Yours
Ready to apply? Start here. Want to talk it through first? We’re here for that too.
3,000 Mortgages, Plus Yours
Ready to apply? Start here. Want to talk it through first? We’re here for that too.