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Before You're Ready to Buy

Take the first step towards securing your dream home by starting to save with our exclusive DREAM Club Account. With this dedicated account, you can enjoy a great interest rate that will help you grow your savings faster. Not only that, but when you finally close on your home, we have an exciting offer waiting for you - a $750 credit!*

Contact us today to start saving! 

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Features
  • No monthly maintenance charge
  • Interest paid at the end of each month
Rates

Club Accounts

Minimum DepositDividend RateAPY*Minimum Required to Earn APY
DREAM Club Share**$0.50%.50%$5

*DREAM account assists account holder(s) with saving toward the purchase of a home. Must be 18 or older to establish account. Rate is subject to change without notice. Interest is paid monthly. Funds must be on deposit for a minimum of 6 months. A fee of $25.00 will be incurred if funds are withdrawn for purposes other than to pay fees associated with an HRCU mortgage application process. Qualifying form(s) required to waive fee. Qualifying forms: appraisal or inspection invoice. Lender credit limited to one credit per mortgage and borrower may only receive the credit once. Lender credit applied at time of loan closing with HRCU. To qualify for the lender credit the following eligibility requirements must be met: •Loan closed with HRCU (standard underwriting guidelines apply). •Home is primary residence. •Loan qualifies to be maintained in portfolio at HRCU; loans sold to the secondary market may not apply.

When You're Ready to Buy

We understand that everyone's financial situation and requirements are unique, which is why we provide a range of financing options tailored to suit your specific needs.

Whether you're looking for a mortgage with flexible terms, lower interest rates, or customized repayment plans, we have got you covered. Our team of experts will work closely with you to understand your preferences and guide you through the entire process. 

To begin your journey towards homeownership, simply click on the "Apply Now" button or click the "Home Calculator" button to see what your payments might look like. 

Apply Now             Home Calculator

Mortgage Options
  • Fixed rate mortgage provides you with a home loan option that offers a single interest rate for the entire term of the loan. This keeps your interest and principal payments the same month to month. 
  • Adjustable rate mortgageprovides a rate that can increase or decrease over time.

Learn about our other home loan options:

  • Government home loans provide buyers access to VA, FHA and USDA Rural Development home loans, which can open additional doors that traditional loans cannot. 
  • Land loans are ideal for when you are looking to build on an approved lot. 
  • Seasonal vacation home mortgages are an option for both year-round and seasonal second homes. 
Rates

Mortgage Rates

Mortgage Rates

TypeInterest RatePointsAPR*Monthly Payment/$1,000
30 Year Fixed6.375%1.506.598%$6.24Apply Now
30 Year Fixed 6.875%0.006.954%$6.57Apply Now
20 Year Fixed6.500%0.006.601%$7.46Apply Now
15 Year Fixed6.375%0.006.501%$8.64Apply Now
10 Year Fixed6.000%0.006.177%$11.10Apply Now

*Annual Percentage Rate (APR) shown is the lowest rate offered.

Rates shown above are for Owner Occupied 1-4 units only. Your actual rate will depend on various factors, including, loan product, loan amount, credit score, property value, and other factors. Rates are subject to change without notice.

Estimated payments above do not include amounts to be held in escrow for real estate taxes and insurance premiums, including mortgage insurance (if applicable). Your actual payment obligation may be greater. Escrow for real estate taxes may be required. Property insurance is required, and flood insurance may be required.  

Rates shown are quoted on loans with a loan amount of $200,000, with 20% down, and a minimum credit score of 760. Your rate and APR may be higher. Rates may be subject to risk-based adjustments called ‘Loan Level Pricing Adjustments’ (LLPA) as defined by the most recent Fannie Mae or Internal LLPA matrix.

After You Buy Your Home

Take advantage of the value locked in your home to benefit you on your own terms. You can use the equity in your home to make improvements or consolidate debt at lower interest rates. This means that you have the power to enhance your living space or manage your financial obligations more effectively by leveraging the equity in your home. Enjoy the smart and convenient way to make your home work for you and achieve your goals with greater ease and affordability.

Home Equity Line of Credit           Fixed Rate Home Equity Loan

Learn Your Options
  • Fixed Rate Home Equity Loan is given as a lump sum with a fixed interest rate, so you know what your monthly payments will be for the duration of the loan.
  • Home Equity Line of Credit provides a revolving source of funds that you can access as you choose, only paying on the principal and interest rate for the amount you've used. 
Rates

Home Equity Lines of Credit

Home Equity Lines of Credit

TermsAPR*Minimum Finance AmountMonthly Payment/$1,000
Fixed Rate for 12 months10 year draw, 25 yr. amortization7.571%$20,000$7.39Apply Now

*Annual Percentage Rate (APR). Rates are based on an evaluation of credit history and CLTV (combined loan to value) ratio, so your rate may differ. Loan subject to underwriting qualifications. All rates, terms, conditions, and promotions are subject to change without notice. The rates above reflect a 70% loan to value. HELOC (Home Equity Line of Credit) loans greater than 70% loan to value have certain restrictions, please contact a loan officer for further details. Special fixed APR for first 12 months, then adjusted monthly. APR using current index and margin would be 5.50% or higher. After the fixed rate introductory period, the rate is variable, based on the Wall Street Journal Prime Rate plus a margin as low as 0% (based on credit rating) and subject to change at any time. Prime Rate as of 7/26/2023 is 8.50%. The floor rate is equal to prime plus margin (based on credit history) at time of closing after promotional period; with a maximum annual percentage rate of 18.00%. HRCU will pay up to $250 of the following closing costs on new Equity Loan applications (Fixed Rate and Lines of Credit): flood determination fee, title search fee, credit report fee, recording fees, and an AVM (Automated Valuation Model). The offer excludes the following fees: appraisal fee, lenders title insurance and any additional fees associated with properties held in a trust. For loan amounts up to $500,000, closing costs that members pay could range between $150 and $1,200. Closing costs depend on property location, property type, and amount of the Equity Loan. Applicant is responsible for any closing costs over and above $250 and payment is required at the time of loan closing. Only available for primary residence. HRCU must be in first or second lien position; and home is not listed for sale. Minimum loan amount of $20,000, with $250 minimum advances; maximum loan amount of $500,000. Homeowner insurance required; Flood insurance may be required. Loan must be new to HRCU, existing loans are not eligible for this promotion. Limited Time Offer.

Become a Member

If you live, work, go to school in the State of New Hampshire or York County, Maine or have an immediate family member that is a current member, you are eligible to join HRCU.