Home Mortgage

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Buying your first home can be stressful – we know! That’s why we’ve partnered with Credit Union Financial Services (CUFS) to give you the resources you need to make an informed decision.


Convenient online application


Flexible terms and competitive rates


Free pre-approval

Already have a mortgage? No problem! Refinance with EXCEL and we may be able to:

  • reduce your monthly mortgage payment
  • reduce the amount of interest you pay over the life of your home loan
  • payoff your mortgage faster by reducing the home loan term length


EXCEL works to provide excellent member service by anticipating, understanding and  meeting the needs of our members. Our size allows us to be nimble and agile – able to pivot quickly to adjust interest rates, terms or answer member questions.


  • Convenient  online application
    • Our online application offers many benefits such as quick updates and approval on loan status, the ability to fill it out at your own pace and the flexibility to complete it in the comfort of your own home.   
  • Flexible terms and competitive rates
    • Overall, credit unions are able to offer more reasonable, customer friendly interest rates and can save you money in closing costs, insurance, fees etc.  Contact EXCEL today to learn how we can work with you on your home loan interest rate. 
  • Free Pre-approval
    • One of the benefits of being a member at a credit union is  we are more likely to approve mortgage applications. Even if your credit score, income and assets are not in the greatest shape, credit unions are able  to customize mortgage options for members. Many times, if you are already a member of the credit union when you apply for the mortgage or home equity line of credit, you may be pre-approved based on your previous account history with us. 
  • Access to other banking resources
    • Having a single provider that can handle all your banking needs is convenient and less stressful than having to deal with multiple providers. EXCEL is a great way to consolidate all your banking needs  into one location. In addition, EXCEL is equipped to handle any investment or loan you need -including auto loan, mortgage loan and home equity loans. 
  •  Personalized service
    • A huge advantage of getting a mortgage from a credit union is being able to visit the branch in person if you have any issues with the mortgage process or questions. In addition,  we offer incentive-like rewards programs for qualifying members such as cash towards closing costs. Because the credit union caters to a specific geographic area , we’re able to access local mortgage options and services catering to residents of that community.


Fixed Rate and Adjustable Rate Mortgages are the two most common mortgage options available to home buyers. While you may want to start house hunting right away, it is also important to determine the type of loan that suits your needs. 

Fixed rate mortgages charge a set rate of interest for the entire lifespan of the loan. While the principal and interest paid may vary each month, the total payments made does not. Not only does this make budgeting easy for homeowners, but the borrower is also protected from significant increase in mortgage payments if interest rates rise. The total amount of interest you will pay, depends on the length of the mortgage. The most common fixed rate mortgage terms are 30, 20 and 15 years. 

Adjustable rate mortgages (or ARM) have a variable interest rate, meaning that they will change over time. The initial interest rate is set below the market and will rise as time goes on. An adjustable rate mortgage has a set period of time during which the initial rate is constant and then will adjust according to a pre-arranged frequency. This type of mortgage allows the borrower to qualify for a larger loan and benefit from lower interest rates and payments without needing to refinance. 

When deciding which mortgage options are the best fit for you, factors such as how large of a mortgage payment you can afford, length of time you intend to live in the property and current interest rates are among the factors to be considered.

Minimum loan amount is $50,000 and all loans subject to credit approval.
CUFS NMLS #645585
EXCEL NMLS #571411
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Apply Online

Found a loan that looks right for you? Let’s get started!