Centra Credit Union

Centra Credit Union has many different types of loans to offer when you are ready to apply for a home loan. They also have dedicated mortgage representatives that can assist you with paperwork, questions about our loans, and also offer advice on which mortgage will best suit your financial needs.

Deciding to buy a home can be stressful. Filling out paperwork and waiting for loan approval can also be stressful. At Centra Credit Union, they will do their best to make the mortgage process as easy as possible. With a variety of low interest loans, you will be able to move into your new home and not have to worry about having enough money to make monthly payments. They can provide a loan that will be comfortable for you to repay.

When applying for a loan, you should bring with you some items that will make filling out paperwork much easier. These include pay stubs for the last two months, W2’s from at least two years ago, tax returns for the past two years, proof of current address, and banking statements. You may need more information, but this list will give you a good start.

Types of Centra Credit Union Loans

• Adjustable Rate Mortgages – Adjustable Rate Mortgages are mortgages whose interest rates will change with national interest rates. They offer 30 year mortgages with the following adjustment periods: 5/1, 3/1, 7/1, and 1/1.

• Jumbo Loans – These loans are available as 30 year adjustable rate mortgages with a 5/1 adjustment period. When you need a loan that exceeds $417,000, They can help.

• Fixed Rate Mortgages – These loans have a fixed interest rate that will not increase over the life of the loan. You can choose from 15yr. or 30yr. terms. These loans are perfect for those who plan on living in the home for a period of longer than 10 years.

Other loans that Centra Credit Union offers include Non-Owner Occupied Loans for a fixed rate of 30 years, Unimproved Ground Loans that are a 10 year fixed mortgage loans, and Construction Loans that are 6 month loans to help when building a new home.

With this many choices, you will not have a problem finding the right loan for your new home. Centra Credit Union offers competitive interest rates that you can check daily on their Website. They will do their best to provide you the lowest interest rate possible on your home loan. Finding the right home loan does not have to be stressful anymore.

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