MORTGAGE LOANS

Take advantage of historically low mortgage rates.

Give us a call at 800-323-2611 or schedule a free appointment with our experts.

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Compare mortgage loan options

Adjustable-rate

Interest rates that stay fixed for a period of time, then change based on the index rate. Choose from 3, 5, and 7 year terms.

Fixed-rate

Interest rates that stay the same throughout the life of the loan. Choose from terms ranging from 7-30 years.

Low Down Payment

Own a home for as little as 3% down. Available on 5 and 7-year ARMs and fixed-rate mortgages up to 30 years.

We're a different kind of lender.

When you're looking for a home, there's no "one-size-fits-all." That's why we have flexible terms from 7 to 30 years and home loan options to fit your unique needs. Whether you're looking for a low down payment mortgage or are ready to buy your dream home, we're here to help you.

Competitive rates

Highly competitive rates

Low mortgage rates with exclusive rate offers for members.

Low down payment

Low down payments

Put as little as 3% down on loans up to $510,400.

Home loan options

Home loan options for everyone

We lend on primary, secondary, and investment properties.1skip to disclosure We also have special mortgage options for qualified professionals.

No hidden fees

No hidden fees

Pay no application fee until you lock in your rate.2skip to disclosure

Local experts

Local home loan experts

We'll work with you from application to closing and throughout the life of your loan.3skip to disclosure

Preferred realtor

Get help from a Preferred Realtor

Get up to $500 at closing when you buy or sell your home with a Preferred Realtor.

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Calculate your mortgage payment.

Use this calculator to estimate your rate and monthly mortgage payments.

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  • Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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MORTGAGE REFINANCE

Reduce your monthly mortgage payment with a mortgage refinance.

Whether you're looking to shorten your loan term, refinance to a lower rate, reduce your monthly payment, or use your home's equity for a cash-out refinance, our experts will help you make the right call.

HOME EQUITY LOANS

Use your home's equity to fund improvements.

Do you want to make home improvements, consolidate debt, or do you need to finance unexpected costs? You may be able to use the equity you've built in your home to secure a low-rate home equity loan.

Refinancing Mortgage
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Work with a Preferred Realtor and save up to $500 at closing.

Home Loan Find a Realtor

Not sure where to start?

Whether you're looking to buy a home, make updates, or refinance, take some time to understand the mortgage process and your options.

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How much home can you afford?

Take the first step with a mortgage pre-approval. 

Mortgage loan reviews

star rating Average star rating of 5 stars 203 Reviews of Mortgage Loans
09/19/2020
Refinancing
 

I want thank Nichoel and Michael for getting back to me quickly. Mike and Nichoel have provided excellent service throughout my refinancing process. Both have continued updating me with information and clarity making sure all deadlines were met prior to the final closing on my refinancing.

Through my 30 years of being a member with DuPage Credit Union I have always received the best service and support.

Thank you to all associates at DuPage Credit Union.

Sincerely,

Jeremy H.

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Jeremy H
09/16/2020
An extremely pleasant experience
 

I am extremely grateful to Mike and Nichoel for all of their assistance during my refinancing process.

Both of them provided quick responses with information needed to keep things moving forward. They also helped ensure that all of the critical timing deadlines were met. Finally, they helped to ensure that the actual closing was a quick and easy in-person process.

I do realize that the rate is an important factor, as you're going to be paying interest on your loan for years. However, you MUST have good and strong people behind the process or you're going to have regrets. With my original mortgage, I made the mistake of looking ONLY at the rate -- and I paid for that. I am extremely glad to have done this refinancing with DCU!

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James G
09/16/2020
An extremely pleasant experience
 

I am extremely grateful to Mike and Nichoel for all of their assistance during my refinancing process.

Both of them provided quick responses with information needed to keep things moving forward. They also helped ensure that all of the critical timing deadlines were met. Finally, they helped to ensure that the actual closing was a quick and easy in-person process.

I do realize that the rate is an important factor, as you're going to be paying interest on your loan for years. However, you MUST have good and strong people behind the process or you're going to have regrets. With my original mortgage, I made the mistake of looking ONLY at the rate -- and I paid for that. I am extremely glad to have done this refinancing with DCU!

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James G
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  • DuPage Credit Union ranked the number one credit union mortgage lender in DuPage, Kane and Kendall Counties according to the 2013 – 2018 HMDA data (Home Mortgage Disclosure Act). 2019 HMDA data not yet published.

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  • Homeowners insurance required. Single-Family homes only in Illinois. Does not include 2-4 flat or apartment complex financing. Max Loan to Value (LTV) is 85% for Purchase, 75% Refinance or Cash-out Refinance for up to four properties. Other restrictions apply to more than four financed properties. Closing fees may apply for certain counties. Consult a tax adviser regarding deductibility of interest. Must be a Member in good standing. Other restrictions may apply.

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  • The rate lock period is 50 days.

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  • Some Out of State, Jumbo & Non-Conforming loans may not be serviced by DuPage Credit Union. Does not apply to FHA or VA loans.

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