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.
Highly competitive rates
Low mortgage rates with exclusive rate offers for members.
Low down payments
Put as little as 3% down on loans from $50,000 to $548,250.
Home loan options for everyone
No hidden fees
Local home loan experts
Get help from a Preferred Realtor
Compare mortgage loan options.
Interest rates that stay the same throughout the life of the loan. Choose from terms ranging from 7-30 years.
Low down payment mortgage
Own a home for as little as 3% down. Available on fixed-rate mortgages up to 30 years.
Calculate your mortgage payment.
Use this calculator to estimate your rate and monthly mortgage payments.
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.
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.
Work with a DuPage Credit Union 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.
How much home can you afford?
Take the first step and apply for a mortgage pre-approval.
Mortgage loan reviews
5 star service. Elvia was very helpful and understood my unique situation.
After attending a DuPage Credit Union mortgage webinar hosted by Nora H, I was better prepared to start the process of purchasing a home. After having the pleasure of working with Nora and Nichoel L, what could have been a stressful process was actually rather easy. They were ALWAYS available, even to answer some of the same questions a few times just to calm my nerves. Their combined efforts were invaluable and I would wholeheartedly recommend DuPage Credit Union for any future purchases or refinancing opportunities. Excellent job!
Elvia was a fantastic help in our process of purchasing a home. She walked us through the entire application process, reached out proactively every step of the way, and communicated very clearly about what was needed and expected of us in order to achieve an approval for our home loan. Nichoel was also extremely helpful as the Processor, letting us know what she needed, when she needed it, etc. All in all, DuPage Credit Union made our dream of buying a home a reality. We have financed our 2 cars and now our home with DCU and could not be happier with our choice to be members 15 years ago. Thank you to everyone!
DuPage Credit Union ranked the number one credit union mortgage lender in DuPage, Kane and Kendall Counties according to the 2013 – 2019 HMDA data (Home Mortgage Disclosure Act); Will and Lake Counties according to the 2019 HMDA data. 2020 HMDA data not yet published.
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. Consult a tax adviser regarding deductibility of interest. Must be a Member in good standing. Other restrictions may apply.
The rate lock period is 50 days.
Some Out of State, Jumbo & Non-Conforming loans may not be serviced by DuPage Credit Union. Does not apply to FHA or VA loans.
PMI will drop automatically at 78% LTV, but may be requested in writing once your loan hits 80% LTV from the original value.