MORTGAGE LOANS

The right-sized mortgage for your needs.

Give us a call at 800-323-2611 to schedule an appointment with our mortgage experts.

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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 offer a variety of flexible terms and home loan options to fit every need. 

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 from $50,000 to $647,200.

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.

Compare mortgage loan options.

Fixed-rate mortgage

Interest rates that stay the same throughout the life of the loan. Choose from a variety of terms.

  • Your payment never changes regardless of the rate environment.
  • Available for a variety of flexible terms.
  • Down payments as low as 3% with loans from $50,000 to $647,200.
  • We lend on primary, secondary, and investment properties.1skip to disclosure

Low down payment mortgage

Own a home for as little as 3% down. Available on fixed-rate mortgages for a variety of terms.

  • Unlike FHA, you won't pay upfront mortgage insurance premium (MIP) fees.
  • Only requires private mortgage insurance (PMI) until you have 20% invested in your home. FHA requires you to pay mortgage insurance every month for the entire life of your loan.4skip to disclosure
  • Down payments as low as 3% with loans from $50,000 to $647,200.
  • We lend on primary, secondary, and investment properties.1skip to disclosure
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Schedule a consultation and qualify for $500 towards your closing costs.skip to disclosure

Our Residential Lending Specialists will help you determine if you're ready to buy and walk you through the process, step by step. Plus, when you apply for a purchase mortgage by December 31, 2022, you may qualify for $500 towards your closing costs.

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.

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MORTGAGE REFINANCE

What do you want out of your 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.

Calculator

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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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Work with a DuPage Credit Union Preferred Realtor and save up to $500 at closing. 5skip to disclosure

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 and apply for a mortgage pre-approval. 

Mortgage loan reviews

star rating Average star rating of 5 stars 265 Reviews of Mortgage Loans
03/14/2022
Purchase a confi
 

Everything went so smoothly! Great communication and impeccable customer service! Thanks to Nora H for all of your help.

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Patty W
03/03/2022
Smooth & Efficient
 

I contacted DCU to convert/refinance an adjustable HELOC to a fixed-rate conventional mortgage after 'firing' one of those online mortgage companies for awful customer service and continual delays. I should have skipped that first mistake and worked with DCU out of the gate. Gary R. and Nichole made the entire process easy and quick -- with great communication and no snags. What a pleasant experience! I recommend highly that you avoid the online outfits where you're just a number and stick with a local credit union that really values your business and takes great care of their customers. Thanks, DCU!

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Vicki H.
01/09/2022
refinance
 

Everything went very quickly and smoothly, a very professional process by knowledgeable, friendly, and helpful Dupage CU staff, all my questions answered promptly, helpful guidance, mostly done online, a great interest rate, thank you!!

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Nancy L
  • Homeowners insurance required.

  • Consult a tax advisor regarding deductibility of interest.

  • Payment Example: For a $200,000.00 first mortgage loan for a term of 30 years with a 3.326% APR, the monthly payment would be $870.41. Rates are subject to change without notice. See Current Rates. Payment examples do not include homeowner insurance, property taxes, private mortgage insurance, or homeowner association dues. Actual payment may be higher. Consult a tax advisor regarding deductibility of interest.

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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 – 2020 HMDA data (Home Mortgage Disclosure Act). 2021 HMDA data not yet published.

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  • Must have a Credit Union membership established and be in good standing. Rate, points, and Annual Percentage Rate (‘APR’) may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. Maximum loan to value varies based on multiple factors, including but not limit to loan type, property type and occupancy type.

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  • The rate lock period is 50 days.

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  • Some Out of State, FHA, VA, and conforming loans may not be serviced by DuPage Credit Union.

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  • PMI will drop automatically at 78% LTV, but may be requested in writing once your loan hits 80% LTV from the original value.

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  • The Credit Union will issue a $500 credit towards your mortgage purchase closing costs when you attend a mortgage consultation between 1/1/22-12/31/22, apply using the appropriate promo code for a purchase mortgage by 12/31/22, and close by 2/28/23. Promo code will be provided at the time of your mortgage consultation. Minimum mortgage purchase loan is $150,000, and must be serviced with DuPage Credit Union to qualify for this offer. Promotional offer cannot be used toward down payment or combined with other offers. Underwriting guidelines apply. Rates and terms subject to change without notice. Must have a Credit Union membership established and be in good standing. Additional requirements may apply.

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  • The Preferred Realtor Network was previously known as the Residential Rebate Program. Rebates are awarded to existing Members who complete their closing of a qualified conventional purchase and/or sale within the state of Illinois with an approved Real Estate Professional as part of DuPage Credit Union’s Preferred Realtor Network. Rebates of $250 will be given to Members with a home purchase price of under $200,000; a rebate of $500 will be given for homes with a purchase price of $200,000 or more. Preferred Realtors Service is only available for mortgages serviced by DuPage Credit Union. Some restrictions may apply.

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