Mortgage Loans

Relax. You're home.

Whether you're a first-time homebuyer or an experienced homeowner, it's important to work with a lender you can trust. Founders Federal Credit Union is committed to providing personal service to our members for every financial need. Our Mortgage Department offers the same options as a big lender but with the individual attention you deserve.

Founders Federal Credit Union offers fixed and adjustable rate Mortgage Loans, competitive rates and terms1 and the expertise you need to plan ahead and navigate the home-buying process with ease from start to finish. Start by using one of our mortgage loan calculators to get an idea of how much home you can afford. You’ll be able to see how mortgage interest rates and down payments can affect what you’ll pay each month. Then call 1-800-845-1614 to be connected with one of our Mortgage Loan Originators. For more information, please call 1-800-845-1614. You can also email mortgages@foundersfcu.com to receive more information.

Apply

Apply

Click here for a complete list of Founders Mortgage Loan Originators.

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

First Time Homebuyer

Buying your first home can be scary and stressful. As a First Time Homebuyer, you are sure to have questions about the process and what you need to do. We are here to help! Please click the link below to be directed to our First Time Homebuyer Education Center.

Education Center

Protect your investment

Your house is one of your most important investments, so be sure to protect it with a homeowners insurance policy. Founders Insurance Services can help you get great coverage at great rates. 

What Does Homeowners Insurance2 Protect?
Each home insurance policy is different, but standard policies usually provide:

  • Broad coverage for damage to your house and any permanent structures on your property (unless the cause of the damage is specifically excluded in your policy.)
  • Damage to your personal property due to causes specified in your policy.
  • Limited coverage which is available for items like stolen jewelry. Coverage amounts vary depending on your state of residence.
  • Additional coverage for valuable items which can be purchased through endorsements to your homeowners policy.

Schedule an appointment to discuss your needs with one of our qualified insurance agents by calling 1-855-385-7977.

2 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.
3 Rate current as of October 1, 2017, and is the Credit Union’s best rate. Rates and terms vary depending on the type of loan, loan to value ratio, credit evaluation and underwriting requirements. APR is subject to increase or decrease. Offer for no origination fee is only available for new or refinanced first mortgage loans secured by your primary residence from a financial institution other than Founders Federal Credit Union. On a 30 year loan, the maximum amount that the interest rate can rise under this program is two percentage points, and the monthly payment can rise from a first year payment of $249.00 to a maximum of $404.97 in the 10th year based on a $60,000.00 loan.  Flood, property insurance, and taxes, if applicable, are not calculated in the payment example.  Actual payment obligation will be greater if an escrow account is required. All Credit Union loan programs, rates, terms and conditions are subject to credit approval and may change at any time without notice. Maximum loan amount is $424,100. PMI=Private Mortgage Insurance.
4 Rate current as of October 1, 2017, and is the Credit Union’s best rate. Rates and terms vary depending on the type of loan, loan to value ratio, credit evaluation and underwriting requirements. APR is subject to increase or decrease. Offer for no origination fee is only available for new or refinanced first mortgage loans secured by your primary residence from a financial institution other than Founders Federal Credit Union. On a 30 year loan, the maximum amount that the interest rate can rise under this program is two percentage points, and the monthly payment can rise from a first year payment of $253.03 to a maximum of $371.57 in the 16th year based on a $60,000.00 loan.  Flood, property insurance, and taxes, if applicable, are not calculated in the payment example.  Actual payment obligation will be greater if an escrow account is required. All Credit Union loan programs, rates, terms and conditions are subject to credit approval and may change at any time without notice. Maximum loan amount is $424,100. PMI=Private Mortgage Insurance.
5 Rate current as of October 1, 2017, and is the Credit Union’s best rate. Rates and terms vary depending on the type of loan, loan to value ratio, credit evaluation and underwriting requirements. APR is subject to increase or decrease. Offer for no origination fee is only available for new or refinanced first mortgage loans secured by your primary residence from a financial institution other than Founders Federal Credit Union. On a 30 year loan, the maximum amount that the interest rate can rise under this program is two percentage points, and the monthly payment can rise from a first year payment of $277.96 to a maximum of $404.82 in the 16th year based on a $60,000.00 loan.  Flood, property insurance, and taxes, if applicable, are not calculated in the payment example.  Actual payment obligation will be greater if an escrow account is required. All Credit Union loan programs, rates, terms and conditions are subject to credit approval and may change at any time without notice. Maximum loan amount is $424,100. PMI=Private Mortgage Insurance.
 

Auto Loans as low as*

1.90%
APR

Credit Cards as low as*

8.60%
APR

Personal Loans as low as*

7.90%
APR

HELOC as low as*

4.25%
APR

Rates, terms & conditions

 

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