Loans  

Home & Land Loans

First Mortgage through CECU
Conservation Employees' Credit Union offers adjustable-rate mortgages.

Adjustable-Rate Mortgage
Available for Missouri homes only, this option allows members to capitalize on low rates and great credit union service. All financing is adjustable for the life of the loan, but rates will only go up or down by two percent during each adjustment period of five years. Members may borrow up to 80% of the home’s value for terms as long as 30 years.

For full details on rates and eligibility for either of these programs, contact a CECU Loan Officer at (573) 522-4000 or toll free at (888) 897-2323.

First-Time Homebuyer through CECU
This loan allows first-time homebuyers to purchase the home they want with just a 10% down payment. The credit union will finance up to 90% of a home’s appraised value, and there is no private mortgage insurance or escrow account required. Interest is amortized over 30 years, and the rate is fixed for 10 years. After 10 years, members may pay the loan in full or refinance.

For full details on rates and eligibility, contact a CECU Loan Officer at (573) 522-4000 or toll free at (888) 897-2323.

To complete a loan application with CECU, click on the links below.
Both forms must be completed in order to apply.
Uniform Residential Loan Application
Borrowers Signature Authorization

Fixed-Rate Mortgage through Mortgage Solutions
These loans feature competitive rates and low closing costs, plus payments from your CECU account can be automated. Fixed-rate mortgages are even available for secondary residences and investment properties.

These fixed-rate loans originate and close through Mortgage Solutions.

To apply for a fixed-rate mortgage through Mortgage Solutions, click here for the Mortgage Center.

Unimproved Land Loans through CECU
Conservation Employees Credit Union offers both fixed-rate and adjustable-rate Land Loans. Read on to learn which option is right for you!

Adjustable Rate Land Loans
Eligible land is defined as real estate land located in Missouri, of which the appraised value can include improvements on the property at the time of the loan. These adjustable-rate loans are applicable as a first mortgage only, and will be extended for up to 80% of the appraised land value. With terms up to 30 years, these loans allow members to purchase the property they need at a low rate.

For full details, on rates and eligibility information, contact a CECU Loan Officer at (573) 522-4000 or toll free at (888) 897- 2323.

To complete a loan application with CECU, click on the links below.
Both forms must be completed in order to apply.
Uniform Residential Loan Application
Borrowers Signature Authorization

Home/Land Equity Loans through CECU
Available for homes and property located in Missouri, these adjustable-rate loans allow members to access the equity built up in their homes and land. These loans may be first or second mortgages, with single or multiple advances over a 10-year draw period. Members may borrow up to 90% of the assessed or appraised value less their existing mortgage for terms up to 20 years.

For rates, full information, applications, and eligibility details, contact a CECU Loan Officer at (573) 522-4000 or toll free at (888) 897-2323.




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