SERVICES FINANCIAL EDUCATION CENTER ABOUT TOOLS CONTACT LOGIN RATES 801.451.5064 Created with Snap WELCOME HOME LOANS Purchases, Seconds, Home Equity & Refinances. Everything a home buyer needs! LOANS FIRST TIME HOME BUYER THE LOAN PROCESS LOANS PURCHASES REFINANCES HOME EQUITY & SECONDS 10 - 15 - 20 YEAR HCU MORTGAGES DOWN PAYMENT PROGRAM PURCHASES Once you have made the decision to buy, you need to know what you can actually afford, so you don’t get in over your head. Looking at your income, along with the amount of down payment you’ll have, can give you a realistic idea of the price range you should consider. Give us a call and we’ll help you find that magic range. And click below to understand the loan process and what you can expect. Considering Homeownership? APPLY NOW RATES AUTO MORTGAGE RECREATIONAL VEHICLES VISA Term APR* as low as 36 Months 1.740 % 48 Months 2.450 % 60 Months 2.450 % 72 Months 2.740 % 84 Months 3.740 % *APRs (Annual Percentage Rate) are accurate as of today and are subject to change at any time without prior notice. Please contact HCU for current rates. Loan rates are ‘as low as’ and are based on member eligibility, credit history and term of loan. Rates are subject to change at any time without prior notice. Restrictions may apply. **APYs (Annual Percentage Yield) Rates are subject to change without notice. Call to verify current rates. Interest on certificates is paid to shares or to the certificate. If not notified within 10 days of the date of maturity, share certificate will automatically renew at the current rate. The interest rate will remain the same for the term of the deposit. A penalty will be imposed for early withdrawal. Fees may reduce earnings. First Time Home Buyer If you’re a newbie to the world of home loans, check out the resources and information we have for first-time home buyers. You can familiarize yourself with the process, learn about one-time vs. ongoing costs, and find out how to improve your credit rating before you apply for a loan. A lot goes into getting a loan for your dream home. Take our CONSIDERING HOMEOWNERSHIP COURSE and look for your first home armed with knowledge and confidence. We also offer financial education for buyers that will familiarize you with the process and help prepare you for home ownership. LEARN MORE THE LOAN PROCESS There are a lot of things to think about when you are getting ready to buy a home. Questions like, “Am I really ready to buy a home?” or “How much mortgage can I afford?” are common, as are concerns about the amount of documentation you will need to provide with your mortgage application. But the silver lining is: we do this every day. You can rest assured knowing we will help make the process easy and understandable for you. Knowledge is power and being an informed buyer will give you the power to find the home you want with a loan to get you there. Find out what you’ll need before you apply for a home loan using our Considering Homeownership and Mortgage education modules. When you have all of the materials listed on the Purchase Checklist gathered, just follow these simple steps for getting pre-qualified for a home loan. LEARN MORE CAREERS • PRIVACY POLICY • MEMBERSHIP • CALCULATORS • NCUA © Horizon Credit Union All Rights Reserved