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Mortgage Loans

Relax ... you're home.

Buying a home for the first time? Seasoned and experienced homeowner? Or just want to refinance for a lower rate? It’s important to work with a lender you can trust.

Current Mortgage Promotion

We've got you covered with up to $45001 in closing costs with your new Founders Mortgage. Wait there’s more … if you get a HELOC with your Mortgage Loan,1 we cover ALL your HELOC closing costs.2 Only need a HELOC? We will pay up to $5003 in closing costs.

Current Mortgage Promotion

Check our current Mortgage promotion!

No PMI

We never charge PMI on any of our Mortgage products.

Low Rates

We offer some of the lowest fixed and adjustable rates on the market.

Your Mortgage Stays with Us

Our Mortgage Loans are serviced completely by Founders and always stay with us.
 

Experienced Mortgage Professionals

Our Mortgage Loan Officers are expertly trained to help you navigate the home-buying process.

Founders Insurance Services4

Our qualified agents can help you find homeowners insurance options for your needs.
 

Additional Information

Apply for Your Mortgage

1 Offer for paid closing costs is only available for new or refinanced first mortgage loans secured by your primary or secondary residence from a financial institution other than Founders Federal Credit Union with applications received from February 1, 2019 through May 31, 2019, and excludes Founders First Time Homebuyer and Military Mortgage products. Founders will pay closing costs, up to $4,500.00 based on the following loan amounts: up to $1,500.00 on loans up to $199,900.00, up to $2,500.00 on loans $200,000.00 to $299,900.00, up to $3,500.00 on loans $300,000.00 to $399,900.00, and up to $4,500.00 on loans $400,000.00 and above. Closing costs paid by FFCU will not exceed the amount of the actual qualifying closing costs. All Credit Union loan programs, rates, terms and conditions are subject to credit approval and may change at any time without notice. Flood and/or property hazard insurance may be required.
2 A Home Equity Line of Credit (HELOC) is secured by a first or second mortgage lien on your primary home, which must be a one-to-four family residential real estate. This type of credit is not available for singlewide mobile homes or cooperatives. The minimum line of credit amount is $10,000.00. Closing costs related to a HELOC will be paid by FFCU if you are approved for and close a first mortgage loan which qualifies for the promotional paid closing costs above, during the promotional period. Credit is subject to approval and your APR may vary based on evaluation of credit.
3 Offer for up to $500.00 in closing costs applies to a Home Equity Line of Credit (HELOC) application received from February 1, 2019 through May 31, 2019, that closes but is not included with a promotional first mortgage loan closing. Founders will pay up to $500.00 in closing costs. All closing costs above $500.00 are the sole responsibility of the borrower and may vary. Other restrictions may apply. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Credit is subject to approval and your APR may vary based on evaluation of credit.
4 Founders Insurance Services offered through Founders Financial Group, LLC, doing business as Founders Insurance Services. Insurance products not underwritten by Founders Financial Group, LLC, or any affiliated company.

Not NCUA Insured - No Credit Union Guarantee - May Lose Value - Not Deposits - Not Insured by any Federal Government Agency.

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) requires a mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry and provide their Mortgage Loan Originator Identifier Number to a consumer when engaging in a mortgage loan transaction. You may obtain information about the Mortgage Loan Originator by accessing the Nationwide Mortgage Licensing System Registry at www.nmlsconsumeraccess.org.

Rates and terms may vary depending on the type of Mortgage Loan, loan to value and evaluation of your credit.

Calculators

How much home can I afford?

Estimate your affordability so you know your price range.

Which Mortgage is better for me?

Compare the cost of up to three mortgages.

Fixed Rate Mortgage Calculator

Calculate your payment with a Fixed Rate Mortgage.

Adjustable Rate Mortgage Calculator

Calculate your payment with an Adjustable Rate Mortgage.

Auto Loans

as low as

2.50
%
APR*

Mortgage Loans

as low as

3.85
%
APR*

Credit Cards

as low as

10.10
%
APR*

Personal Loans

as low as

8.90
%
APR*

Apply for an Auto Loan!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Auto Loan.

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NON-MEMBERS: Please complete our Auto Loan Application and Membership Application.

Apply for a Deposit Account!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Deposit Account.

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NON-MEMBERS: Please complete our Deposit Application and Membership Application.

Apply for a Credit Card!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Credit Card.

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NON-MEMBERS: Please complete our Credit Card Application and Membership Application.

Apply for a Personal Loan!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Personal Loan.

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NON-MEMBERS: Please complete our Loan Application and Membership Application.

Apply for a Deposit Account!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Deposit Account.

Founders Online Founders Online

NON-MEMBERS: Please complete our Deposit Application and Membership Application.

Apply for a Personal Line of Credit!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Personal Loan.

Founders Online Founders Online

NON-MEMBERS: Please complete our Line of Credit Application and Membership Application.

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