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 Mortgage Loans To Meet Your Needs
Whether you're in the market to purchase a new home, refinance your existing mortgage, or make home improvements, EFCU has an affordable mortgage loan solution certain to meet your changing needs.
Home Loans
Buying or refinancing a home can be a confusing and intimidating process. Offers, counter offers, closing dates, contingencies, and much more. However, getting a mortgage for that new home can be easy through EFCU. As a credit union member, you can take advantage of competitive interest rates, low closing costs, and excellent member service which is provided by CU Companies, a credit union service organization owned exclusively by credit unions. Members can choose from first time home buyer programs, purchases and refinances. Click here to visit our mortgage partner. By clicking on the link you are leaving Electrus FCU's web site.
Home Equity Loan or Line of Credit
The equity in your home is one of the most valuable financial tools you possess. Put it to good use to consolidate higher interest rate debt, make home improvements, pay for private school or college tuition, purchase the vehicle of your dreams, and much more.
The interest you pay is generally tax deductible (consult your tax advisor), making a Home Equity Loan a smart choice over traditional loans. Contact EFCU to apply at 763-569-4000.
HomeLoan Express
Our new state-of-the-art online mortgage center is your "one-stop-shop" for all your mortgage needs. Learn about your different loan options, use our calculators to determine monthly payments, the right time to refinance your home, and much more.
You can even get pre-approved for the loan you need in just a few minutes. We've eliminated traditional paperwork and red tape in favor of a few clicks and questions. Start clicking to see how easy it is to select and apply for the loan that's right for you. By clicking on the link you are leaving Electrus FCU's web site.
Find the Rate You Want
Click here to check current mortgage rates. These rates are updated daily. By clicking on the link you are leaving Electrus FCU's web site. Click here to check home equity rates.
CU Realty
Whether you're buying or selling your home, looking for a trusted real estate agent, looking for property values, and much more, CU Realty is available to assist you every step of the way. CU Realty will sell your home at a low commission rate of just 4.95%--saving you thousands of dollars on the sale. Click here to get started. By clicking on the link you are leaving Electrus FCU's web site.
CU Title
CU Title is a full service Title Company offering first and second mortgage title policies, Owner & Encumbrance Reports, In-House Closing, Recording and Appraisal services. CU Title is a proud agent of Old Republic National Title and Chicago Title. Click here for more information. By clicking on the link you are leaving Electrus FCU's web site.
Credit Report
Ready to purchase or refinance your home? Then you need to see what the finance company knows about you before you apply. Plus, monitoring and periodically reviewing your credit report is an effective tool in fighting identity theft. You can order one credit report from each of the nationwide consumer credit reporting companies: Equifax (used by Electrus and the most commonly used agency in Minnesota), Experian, and TransUnion. Go to www.annualcreditreport.com to get your free reports. (By clicking on the link you are leaving Electrus FCU's web site.)
Home Insurance
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