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Kelly Community FCU Mobile


Free - On the App Store


Kelly Community FCU Mobile


Free - On the App Store

VA Loan

VA Mortgage Loans are specifically designed for military service members and their families. In this type of fixed-rate loan, the federal government insures the lender against losses. This loan allows for 100% financing on the purchase of the home, which means no down payment is necessary.

  • 100% financing
  • No down payment is necessary

FHA Loan

Not sure if you qualify for a conventional mortgage? An FHA Loan (Federal Housing Administration) is available to all types of borrowers, not just first-time home buyers. With this loan, the government insures the lender against losses that might result from borrower default.

  • Lower the required down payment on the house you want
  • Possible down payment as low as 3.5%

Home Improvement Loan

With a Home Improvement Loan, you can make your home a place you’ve always dreamed about. The loan is secured using your house as collateral, which means you’re likely to get lower rates. Pick your favorite contractor, and then start your application to see what we can do for you.

Adjustable Rate Mortgages

An ARM (Adjustable Rate Mortgage) typically has a lower rate than a fixed-rate mortgage, at least at first. The rate might increase after the initial term is completed, based on the current market. Rates can stay same or increase, but never go down.

  • Lower rates upfront
  • Avoid a dramatic rate increase

Conventional Mortgage

A conventional home loan isn’t insured or guaranteed by the federal government in any way, but it’s the most popular type of mortgage loan. Typically, a conventional loan requires a minimum of 5% down payment. If your down payment is less than 20% of the purchase price, we can help you secure PMI insurance.

  • Protect yourself from future rate increases
  • Lower mortgage payments
  • Most popular type of mortgage loan

Construction Loans

A construction loan is typically a short-term loan that can help you build a home or make additions to your current one. Whether you are starting a home from the groundwork up or purchasing one midway through construction, we have a solution for financing your soon-to-be new home.

  • Short-term loan
  • Build a home
  • Make additions to your current one

Home Equity and Cash Out Loans

A Home Equity Loan allows you to borrow up to a certain amount using the equity in your home as collateral. The interest rates are usually much lower than they would be with a credit card or a personal unsecured loan.

  • For emergency expenses to dream vacations
  • Lower interest rates than other options