Home Loan Specials

Turn your homeowner goals into homeowner achievements with these special offers

Features & Benefits

Discounted Closing Costs
Low Down Payment Options
PMI-free Options

Apply for a Home Loan Today!

Community Heroes Special

You’ve dedicated yourself to protecting, improving, and healing our communities. Prime Financial Credit Union is committed to thanking you for your service. Qualified public service professionals are eligible for home loans with no private mortgage insurance (PMI) and loan-to-value (LTV) up to 90%.1 Qualified occupations include2:

  • Police, Fire & EMS
  • Healthcare
  • Education
  • Military - Active Duty & Veterans
  • Local Municipal, State & Federal Employees

 

First-time Homebuyers: $1,000 Off Closing Costs3

Qualified first-time homebuyers can receive $1,000 off closing costs with Prime Financial Credit Union.

 

First-time Homebuyers: Down Payment as low as 5%

Homeownership is within reach with a down payment option as low as 5% for qualified first-time homebuyers. Meet with a member of Prime's mortgage team to learn more.

 

Home Equity Line of Credit: No Closing Costs4

Looking to do home repairs or debt consolidation? Look no further than PFCU Home Equity Line of Credit with no closing costs for qualified applicants.

Apply for a Home Loan Today!

Member Story

"Prime succeeds where most banks fail with their great member service, minimal fees, excellent loan rates and their loan processing team."

Empowering you during every financial decision

Rates

Competitive, member-exclusive rates
Calculators

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Blog

Find helpful tips and answers in the Prime Financial Credit Union blog
NMLS ID 718926 - Equal Housing Opportunity. Membership eligibility is required.
1: Minimum 10% member-contribution required. Once 90% LTV is met, gift funds may be used to lower the loan amount.
2: Includes administrative and support positions.
3: First-time homebuyer is defined as not having owned a home in the last three (3) years. This closing cost special includes an appraisal fee, credit report fee, flood certification, title-lenders title policy, title-settlement fee, recording fees, origination fee, 4506T transcripts, document preparation fee, tax service fee, title and E-Recording fee. Fixed Stated Rates reflect loans up to 80% Loan to Value (LTV); other rates apply for LTVs above 80%. Owner-occupied primary residence only. Homeowner’s insurance required. All rates and terms are subject to credit qualification, other rates and terms may apply. A Prime Financial Credit Union checking account is required to receive any closing incentive for first-time buyers. Offer may be discontinued at any time and without prior notice. Promotional offer cannot be combined with any other offer. Other terms and conditions may apply.
4: No closing cost for Home Equity Line of Credit (HELOC) with a Loan to Value (LTV) less than 80%. HELOC rate is equal to prime rate + 0.00% Annual Percentage Rate (APR) with credit score greater than 740. Line of credit rate is adjustable, may change monthly, and will not exceed 11.25% APR. Minimum payment is 1% of the balance or $25.00, whichever is greater. All rates are subject to credit qualification, other rates and terms may apply. Owner-occupied primary residence only. Homeowner’s insurance required. Offer may be discontinued at any time and without prior notice. Promotional offer cannot be combined with any other offer.