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Routing Number: 261174775

Home Loans

Are You Living the American Dream?

A major element of the American Dream is having a place to call your own "home sweet home." At HALLCO Community Credit Union, we are every bit as committed to helping you live the American Dream as we are to helping you simply afford life on a day-to-day basis. Home is the place where brides are carried over thresholds, the pitter-patter of little feet echoes down the hallways, and life unfolds daily in every nook and cranny. Whether you're seeking your very first (or last) home, hoping to secure a loan to renovate your current home, or hunting for a solution to high mortgage rates with a refinance, HALLCO Community Credit Union offers its members a number of terrific home loan options.

Choose which mortgage option works better for you!

 

Happy family

 


Traditional Mortgages

With the help of Credit Union Financial Services (CUFS), HALLCO offers a range of first mortgage loans - including conventional, FHA, ARM, USDA and VA.

Of course, with interest rates at such historically low levels, a short-term mortgage might be the right choice for you! Your family could be mortgage-free in just 10 years!

The benefits of a short term mortgage include:

  • Up to 10 year terms
  • Low Rates
  • Low Cost
  • No Private Mortgage Insurance (PMI)

To learn more about these traditional mortgage products, contact a HALLCO loan specialist today at 770-534-4255 or apply online at Credit Union Financial Services.

Second Mortgages

A second mortgage or Home Equity Line of Credit (HELOC) - proves an excellent way to borrow against the equity you've already established through your first mortgage to finance a renovation project, purchase a vacation home, consolidate debt and more.

Wait...it gets better! Second Mortgages feature:

  • No Closing Fees on HELOC (Appraisal fee may be required)
  • Minimal $400 - $600 Closing Fee for Second Mortgage (Appraisal fee may be required)
  • Up to 90% of appraised home value, less the balance of your mortgage or 80% of Tax Assessment (All loans over $75,000 require an appraisal)
  • Fixed & variable rates available
  • In-house closing available

Terms and conditions subject to change without notice.

To apply for a second mortgage, contact a loan specialist today! 770-534-4255

Young couple buying a house