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.

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 $766,550.

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.4skip to disclosure

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 $766,550.
  • 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.5skip to disclosure
  • Down payments as low as 3% with loans from $50,000 to $766,550.
  • We lend on primary, secondary, and investment properties.1skip to disclosure
$500 no obligation purchase mortgage consult

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, 2024, 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

Calculate

Calculate your mortgage payment.

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


Calculate

  • 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.

Professional woman

Work with a DuPage Credit Union Preferred Realtor and save up to $500 at closing. 4skip 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 269 Reviews of Mortgage Loans
04/03/2024
Mortgage
 

Out of all the homes I have purchased in the past working with Dupage Credit Union loan division has been the best experiance I have gone through. My agent and processor were very professional and knowledgable and explained the process so I could even understand it. I have done business with Dupage Credit Union for many years and I can say they are the best finacial institution out there and that is why I chose them for my home loan.

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Timothy A
10/26/2023
1st time home buyer
 

Nichoel L was a TREMENDOUS BLESSING to work with as I walked through the process of purchasing my first home earlier this month!!! She was VERY thorough, VERY patient, VERY helpful and went above and beyond to make sure I had everything that I needed to proceed with purchasing my first home!!! It's a scary, unsettling, crazy, and expensive process to say the least. Her consistent follow-up and follow-through were GREATLY appreciated!!! Working with Nichoel for a few short months can be summed up in one word: phenomenal!!! Purchasing a home in such a crazy sellers' market/economy was very unsettling and very intimidating, but I had no choice. This was the 1st time ever where purchasing a home was cheaper than renting, crazy times indeed. Nichoel answered my 20-million questions (seriously, I had a ton and still have more) with grace and patience as I chartered unfamiliar territory. She is a TREMENDOUS asset to your Team and was EXTREMELY helpful in so many ways!!! Her professionalism and tender care are rare as an employee and GREATLY appreciated!!! THANK YOU, Nichoel, for ALL of your assistance, for going above and beyond, and for being you!!!!!!

On a side note, one thing that would have been EXTREMELY helpful (it would have eliminated a LOT of questions) would be to have your Loan Officers provide the "Your Home Loan Toolkit" at the pre-approval stage and NOT at the contract stage. That "step-by-step" guide is a necessity at the VERY beginning of the home buying process, not at the end. I shared that with Nichoel and a few others once I reviewed the wealth of information that was provided. Receiving that toolkit as soon as possible would have minimized/eliminated a LOT unknowns. But hindsight is always 20/20 so perhaps this suggestion would be taken into consideration in the future. But I am STILL VERY GRATEFUL, THANKFUL AND BLESSED to have had the opportunity to work with Nichoel L!!!!

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C. B.
09/17/2022
Home loan experience
 

My husband and I have been DuPage Credit Union Members for over 40 years. After his death last year, it became very important for me to have assistance with purchasing a new home. The staff at DuPage helped from my first inquiry to my closing on my new home.
Gary R. was my loan officer and he helped me fulfill the necessary requirements and prepare the proper documents. I am very pleased with the staff who helped me buy a home that fits my needs as a senior citizen.

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Jane W
  • 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.

  • 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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  • We lend on primary, secondary, and investment properties nationwide except AK, AZ, HI, MA, NY, RI, VI, VT, and DC.

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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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  • 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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  • 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 complimentary mortgage consultation between 1/1/2024-12/31/2024, apply using the appropriate promo code for a purchase mortgage by 12/31/2024, and close by 2/28/2025. Promo code will be provided at the time of your mortgage consultation. Minimum mortgage purchase loan is $225,000, 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. DuPage Credit Union Team, Board and Committee Members are not eligible. Must have a Credit Union membership established and be in good standing. Additional requirements may apply.

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