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Mortgage Loans

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Founders offers 30-Year Fixed Rate Mortgages along with other popular programs such as 15/15, 7/1 and 5/5 Adjustable Rate options! Whether you're buying or refinancing it’s important to work with a lender you can trust.

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Founders Mortgage Programs

Founders Mortgage Packages
Founders Mortgage Information

Additional Information

  • No PMI, ever! Founders never charges Private Mortgage Insurance on any Mortgage products.
  • Your Mortgage Loan is serviced completely by Founders and always stays with us.
  • Our experienced Mortgage Loan Officers are expertly trained to help you navigate the home-buying process. Click here for a complete list of our Mortgage Loan Originators
  • Adjustable and fixed rate options
  • Land loans
  • Double wide manufactured home options
  • Home Equity Lines of Credit

Apply for Your Mortgage

Mortgage Payment Calculator

Other 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.

The 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 and 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.

1 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.
2 30-year fixed rate mortgage offer is available for purchases or refinance of your primary residence. Not all property types qualify. Loan to value and debt to income limits apply. All costs, including origination and processing fees, associated with the loan are the responsibility of the borrower. Offer, rates, terms and conditions vary depending on the type of loan, loan amount, loan to value ratio, credit evaluation and underwriting requirements.
3 Compared to other Founders fixed rate mortgage products

Auto Loans

as low as

1.99
%
APR*

Mortgage Loans

as low as

2.59
%
APR*

Credit Cards

as low as

7.85
%
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!

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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!

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.

Mortgage Vocabulary

Appraisal
A home appraisal is a detailed summary of how much a home is worth and compares the home to similar properties in the same area.
Closing
The closing is typically held at an attorney’s office and simply means the completion of the transaction involving the sale or exchange of real estate.
Closing Costs
Closing costs are the fees required to pay at closing. These cover any fees associated with the sale of the home like title and settlement services, title insurance, appraisal, lender fees and any other fees carried out during closing. These fees range anywhere from 3% - 5% of the purchase price of your home. These fees may also be called Settlement Fees.
Down Payment
Your down payment is the amount of money you are required to pay in cash when you close your mortgage loan.
Escrow Account
An escrow account is a separate account held in a borrower’s name to pay property taxes and insurance premiums. Flood insurance, if required, must also be escrowed.
Flood Certification
A flood certification indicates if the property is located within a designated flood zone. If the property is within a flood zone, the lender will require flood insurance.
Home Inspection
A home inspection examines the safety of the structure and mechanical condition of the home.
Insurance
Homeowner’s insurance provides protection against losses and damages to your home and is required if you owe a mortgage on your home. Your homeowner’s insurance is typically paid to an escrow account.
Interest
The fee you pay to borrow money.
Interest Rate
The interest rate is a percentage of the loan charged to the borrower. Your interest rate is determined at current market conditions, and reviewing your credit score, down payment and the type of mortgage you choose.
Loan Term
The loan term is the amount of time you have to pay off your mortgage loan. The First Time Homebuyer Program is a 30 year term.
Processing/Origination Fee
A Processing Fee, sometimes referred to as an Origination Fee, is an upfront fee by a lender for processing a new loan application.
PMI
PMI stands for Private Mortgage Insurance and is an added fee paid to the lender which protects the lender in case you don’t make your mortgage payments. Since Founders First Time Homebuyer Program doesn’t require PMI, you will save money each month.
Discount Points
Discount Points are paid directly to the lender at closing in exchange for a reduced interest rate. This is also called “buying down the rate,” which can, in turn, lower your monthly mortgage payments. A point is equal to 1% of your mortgage amount (or $1,000 for every $100,000).
Principal
The principal is the amount borrowed or amount owed on a loan. This is separate from the interest.
Property Taxes
Property taxes are the amount of money paid annually to your local government. Your property taxes are typically paid to an escrow account.
Recording Fees
The recording fee is money paid to record the deed and security instrument.
Settlement Charges
Also known as Attorney Fees, settlement charges are paid at closing and typically paid to the Attorney completing the legal transaction.
Survey
A survey is a drawing of the property completed by a licensed surveyor which contains a measurement of the property and includes locations of all buildings and boundaries.
Tax Service Fee
The tax service fee is part of the closing costs and paid to a third party to manage the disbursements of the escrow account to pay property taxes.
Termite Inspection
A termite inspection, or CL-100 in South Carolina, is required by the lender and identifies any repairs or treatment needed due to termite damage.
Title Insurance
Title insurance protects the lender and covers the loss of the property due to legal defects. This is required if the property has a Mortgage.

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.

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

Founders Locations Search

Looking for a Founders location near you? Search for any of our Founders offices, ATMs and surcharge-free ATMs below!

 

Apply for a Recreational Vehicle 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.

Our Online Applications are currently unavailable due to a full system technology upgrade. Please check back on Monday, July 13 to start your application. Thank you for your interest in applying for a Loan or Deposit Account with Founders Federal Credit Union!

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Financial Education Event Request

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Founders’ involvement in the community spans across many different needs. Many Founders employees are experts in financial topics and are available to speak at your events.

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Contact Us

Please do not include or request personal account information on this form. If you need assistance with personal account information, please send a secure message via the Messages tab within Founders Online, or call 1-800-845-1614.

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Financial Wellness

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Ask your question in the fields below and we will contact you with information. Please do not send specific account information through this form.

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