Home Loans

Make Your Move With $500 off Closing Costs on Your Home Loan Purchase¹

If you’re planning to purchase a new home, you’ve come to the right place to get started.

Delta Community Credit Union can make your experience easy and affordable with low rates on a variety of loans, all with the service you’ve come to expect.

Apply Now

Home Loan Promotion with Delta community credit union

Home Financing Made Simple

Whether you're a first-time homeowner, one who’s looking to refinance an existing loan or looking to make home improvements, Delta Community’s got you covered. To assist with your home purchasing needs, we offer several types of First Mortgages and Home Equity Loans with the personal service that has made us a trusted partner for years.

Home Financing Products & Details

Ready to start the home loan process? Choose from one of the many products below! Or, contact one of our Home Loan Specialists to assist you in exploring your options.

Fixed-Rate Mortgage

A Fixed-Rate Mortgage is a mortgage where the interest rate is fixed and the monthly interest payment does not change over the life of the loan.

Learn more about Fixed-Rate Mortgages

Adjustable-Rate Mortgage

You have a fixed-rate for a certain period of time, such as 5 or 7 years, then for the remainder of the loan the interest rate would adjust annually depending on the market. Properties that qualify for this type of loan are primary residences, second/vacation homes and rental properties.

Learn more about Adjustable-Rate Mortgages

First-Time Home Buyer

Program designed to help first-time homebuyers purchase their homes and understand their mortgage options.

Learn more about First-Time Home Buyer

Jumbo Loan

A Fixed-Rate or Adjustable-Rate Loan and is available for various terms up to 30 years. The loan amounts are greater than conventional loans and begin at $647,201.

Learn more about Jumbo Loans

100% Financing Home Loan

A home loan financed at 100% is a great option for borrowers who have a credit score of 720 or higher, but may not have enough saved for a down payment.

Learn more about HELOCs

Purchase Money Second

A second mortgage you can use to supplement the purchase of your home.

Learn more about Purchase Money Second Loans

Down Payment Assistance

Programs providing funds for the purchase of a home by a first-time homebuyer (have not owned a home in last three years). Learn more about the eligibility requirements.

Learn more about Home Equity Loans

about Purchase Money Second

Land Lot Loan

A loan that is used to finance the purchase of land or a lot property.

Learn more about Land Lot Loans

Refinance

Refinance your home loan to lower your monthly payment, shorten your loan term, or replace an adjustable-rate payment.

Learn more about Refinancing

Home Equity Line of Credit (HELOC)

A revolving line of credit that uses your home as collateral.

Learn more about Home Equity Lines of Credit

Home Equity Loan

Considered a traditional second mortgage, this is secured by your home and uses it as collateral.

Learn more about Home Equity Loans

Have additional questions?

Buying or refinancing
Contact us at 866-963-7811 to speak to a Home Loan Specialist.

Delta Community Mortgage Servicing
Our Mortgage Servicing team is available to assist you with questions you may have regarding your existing Delta Community Home Loan. Contact us at 866-963-7811, option 2 or email DEPTMortgageServicing@DeltaCommunityCU.com.

Escrow Servicing
Our Escrow Servicing team provides assistance regarding your existing Delta Community mortgage escrow account. Contact us at 866-963-7811, option 2 or email DEPTMortgageServicing@DeltaCommunityCU.com.

Loss Mitigation
Our Loss Mitigation team provides assistance to members experiencing financial difficulties who are unable to make timely mortgage payments. Contact us at 866-963-7811, option 2 or email MortgageLossMitigation@DeltaCommunityCU.com.

¹ $500 off Fixed-Rate and Adjustable-Rate Purchase Loans valid until 12/31/2025. Offer does not include Refinances or Home Equity Loans.