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Mortgages Great mortgage rates and service


Whether you’re shopping for your first house or moving on to something better, COPFCU mortgage financing offers:

  • Low rates and closing costs
  • VA, FHA and Conventional loans
  • First-time home buyer programs
  • 3.5% down payment options
  • Discounted private mortgage insurance (PMI)
  • Fast closing usually in 4-5 weeks


Refinancing can be a helpful tool for home improvement, debt consolidation or simply lowering your rate and monthly payment. Whatever your goal is for getting a new mortgage, COPFCU can help.

  • Reduce your interest rate and your monthly payment
  • Switch from an adjustable rate loan to a fixed rate mortgage
  • Build equity faster by decreasing the term of your loan

Helpful tools


Apply for a Mortgage

Purchase / Refinance Mortgage

30-Year Fixed FHAFrom 6.125%0
15-Year Fixed FHAFrom 5.000%1.125
30-Year Fixed VAFrom 6.125%0
15-Year Fixed VAFrom 5.000%1.375
30-Year Fixed - No Closing CostsFrom 8.000%0
30-Year Fixed ConventionalFrom 7.500%0
20-Year Fixed Conventional From 7.625%0
15-Year Fixed ConventionalFrom 5.625%0.25
10-Year Fixed ConventionalFrom 5.375%0

** APR – Annual Percentage Rate. Rates are subject to change without notice. Your actual rate may be higher based on loan-to-value (LTV) ratio and your overall credit profile.