Mortgages

Not Just a Mortgage, it's a New Beginning

Buying a home is one of life’s biggest (and most expensive) milestones, but it doesn’t have to feel overwhelming. Whether you’re a first-time buyer, refinancing, or moving into your dream home, our dedicated mortgage team is here to guide you every step of the way. We’ll simplify the process, answer your questions, and help you feel confident in your decisions.

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Your Mortgage Options

Explore our home loan options and see which one fits your goals best. You can apply online anytime or schedule an appointment to talk through your choices with one of our lending experts.

Heads Up: Applying for a mortgage means we’ll need to pull your credit. If you’re just exploring your options for now, set up a consultation with us first - no credit pull required.

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Loan	May be right for you if…	Benefits
Federal Housing Administration (FHA)	You're a first-time home buyer You need more flexibility in qualifying You need a lower down payment option Have student loan debt Have down payment help from a family member	Payments stay the same through the term Maximum loan amounts are determined by property location More flexible seller contributions towards closing costs
Conventional Fixed-Rate	You have strong, established credit and 5%-20% down payment You're looking for a 2nd home or investment property You want Mortgage Insurance options that are flexible (for placing less than 20% down)	Payments stay the same through the term Options to avoid Private Mortgage Insurance (PMI)
Veterans Administration (VA)	You're an eligible veteran You're looking for 100% financing options You have no down payment You're a first-time home buyer You have less-than-perfect credit You have student loan debt	Payments stay the same throughout the term No down payment required Fixed-rate terms are available More flexible seller contributions towards closing costs
USDA Rural Development (RD)	You're looking for 100% financing options You don't have perfect credit 100% Financing with no down payment Property in a USDA designated eligible area You're a first-time home buyer You need a lower down payment option You have less-than-perfect credit You have student loan debt Income is under USDA requirements	Flexible credit guidelines No down payment required More flexible seller contributions towards closing costs

TruStage Home Insurance

As a CSE member, you have access to exclusive savings through TruStage Auto Insurance. Designed with credit union members in mind, TruStage provides reliable coverage, competitive rates, and peace of mind for everything that's important to you. Whether you finance your home with us or not, protecting it with TruStage helps ensure that the investment you’ve made is safeguarded against the unexpected—so you can live - and sleep - with confidence knowing you’re covered.

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Have a Mortgage Specialist Contact You

DO NOT send us Account Numbers, Social Security Numbers, Pin Numbers or Driver's License Numbers via e-mail or Form submissions! Email and Form submissions are not a secure way to send us that type of information.

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All loans are subject to credit approval.

Applying for a loan or credit card product may result in a credit inquiry and the applicants credit score may be impacted.

Upon submitting a loan application, applicants may be required to provide additional documentation to complete the review process. This may include, but is not limited to, one or more of the following: Proof of Income, Recent Credit Card Statements, Verification of Employment, Bank Statements, Proof of Residency or, Housing Documentation.

CSE NMLS#538074