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Kelly Community FCU Mobile

Finance

Free - On the App Store

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Kelly Community FCU Mobile

Finance

Free - On the App Store

Why a conventional mortgage may be right for you

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...

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

A loan to help finance the purchase of a house

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.

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Our conventional mortgages are fixed rate. The rate might be higher than an adjustable-rate mortgage, but it won’t change and you’ll have the benefit of being protected from future rate increases. If you’re looking for lower mortgage payments (and you plan to stay in your home for less than five years), you may want to consider an adjustable-rate mortgage instead.

I have been unbanking with Kelly for years now! They are the best!
Gaylon D., member for over 10 years

Get the home you want with a payment you can afford

Why choose us? We'll walk you through the entire process. Mortgages can be confusing, and that goes double if you choose an adjustable rate. We'll make sure you understand your...

Get the home you want with a payment you can afford

Why choose us?

We'll walk you through the entire process.


Mortgages can be confusing, and that goes double if you choose an adjustable rate. We'll make sure you understand your choices and how they'll affect your financial future.


We have a stellar online application system.


If you want, you can complete your initial application right now without visiting one of our branches.


We're forgiving.


We consider loans that other financial institutions dismiss. If you've made some mistakes in the past and are ready to start fresh, come talk to us—we'll listen.

Community Blog

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Tired of renting? If you're ready to make an investment, we can help. Kelly Community offers some of the best mortgage rates on the market, so you can settle into your dream home.

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