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Home Loan

Local Service. Quick Decisions. Lower Fees.

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Get started on your dream home today.

“I have been a member since the 70s. I don’t use any other banking institution because I get excellent service and always have. Any problems have always been taken care of with professional courtesy and friendliness. I have set up an account for my family and trust that they will be taken care of as well as I have been.”

Kimberly H. from Springville, IN

Home Loans that Save You Money

Use the benefits of your Credit Union membership to finance your home at great rates and with lower fees.

We make our decisions locally, allowing us to get to know your situation and provide a quick turnaround time on approvals. Plus, we service our loans locally. Our mortgage loan officers will be with you from your first questions to your last payment.

Meet the MLO Team!

Finance with lower fees
Competitive rates
Local loan decisions with quick turnaround
Local servicing. Have a question? Ask us anytime!

You can get your pre-approval letter in as little as 20 minutes!

Home ownership comes with many opportunities. Let us help you make the most of yours!
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I want to apply to purchase a home, but what address do I enter if I haven’t found one yet?
If you're home shopping you may simply enter 123 Anywhere Street, Town, and Zip of your shopping area.
After I apply can I make changes to the term or loan amount?
Yes! Some changes can be made once you have a signed purchase agreement, based on qualification.
What if I don’t have an account with HHCU?
No worries! You are welcome to apply, we can open your membership later.
What documents do I need to fill the application out?
No documentation is needed to complete the application. Helpful items could be current paystub or W2
What do I do if I get an error message while applying?
You may reach out to our Mortgage Desk at 800-865-2612 Ext 438.
If I don’t have a home in mind yet, what do I enter for purchase price?
You can enter what your personal max spending amount would be, keep in mind we can change the amount, based on qualification.
Do I have to have a down payment to purchase a home?
Not at all, we have options for borrowers with no downpayment.
How much do I need to put down to purchase land only?
For the purchase of vacant land, you must put down 20% of the purchase price.
What loan product do I want?
We have many loan products available from 100% financing, conventional mortgage, land loans, construction loans, refinancing options, and more.
How soon after the application will I get a call back?
Our goal is always reach out to applicants’ same day, if after hours the following business day.
Who will be handling my loan?
We have many Mortgage Loan Offices across our servicing marketing, you may choose one you wish to work with or the Service Center closest to you.
What phone number do I call if I have a question?
Our Mortgage Department phone line is 800-865-2612 Ext 438
How long will it take for the loan to be completed?
Although this may vary depending on the individual loan, our goal is 30 days or less from the time we receive needed documentation from borrower.
How much will I be charged in closing cost for a mortgage?
There are many items referred to as closing cost. At HHCU we charge a Mortgage Origination fee of $995.00, plus third part fees needed to complete your loan. For example, but not limited to, title work fee, appraisal fee, taxes, homeowner insurance. After completing application, you will be provided with a Loan Estimate with a breakdown of cost.
What are your fees for Mortgages?
HHCU Origination fee for a purchase or refinance is $995.00
Does HHCU service my Mortgage?
Yes, even if your loan was to be sold HHCU reminds all servicing.
Is my Mortgage rate fixed?
Yes, our purchase and refinance Mortgages are fixed rate/term.
Do you charge any prepayment penalties?
No HHCU does not charge to pay off early.
Do you have a minimum credit score?
HHCU has options available for no credit score.