mortgage loans
See how simple a mortgage can be.
We offer a variety of low-rate mortgage options with flexible terms to fit every need.
Get a bonus up to $500
when you close on a purchase mortgage, or $250 when you close on a refinance.*skip to disclosure
Today's Mortgage Rates
Rates effective as of 6/18/2025 7:30am and are subject to change without notice.
Compare Mortgage Options
Fixed-Rate Mortgages
Fixed-Rate Mortgage
Interest rates that stay the same throughout the life of the loan. Choose from a variety of terms.
Jumbo Mortgage
Jumbo mortgages (mortgages over $806,500) are available for a variety of fixed-rate mortgages.
Single-Family Investment
Looking to invest in single family properties? We offer low rates and flexible terms.
Government-Backed Mortgages
FHA Loan
A government-backed home loan designed to help members with lower incomes or credit scores.
VA Loan
Veterans could own a home with 0% down and no monthly mortgage insurance premium fees.
Teacher & First Responder Mortgage
Community Heroes Loan
Exclusively for teachers, firefighters, police officers, EMTs, and paramedics.
Why Choose DuPage Credit Union for Your Mortgage
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 $806,500.
In-house Home Loan Experts
Our in-house team will work with you from application to closing and throughout the life of your loan.3skip to disclosure
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.
Preferred Realtor $500 Offer
Get up to $500 at closing when you buy or sell your home with a Preferred Realtor.4skip to disclosure
mortgage refinance
Move into a better mortgage.
Whether you're looking to lower your monthly payment, pay off your mortgage faster, or get cash out, we can help.
home equity loans
Home equity loan rates as low as 6.500% APR†skip to disclosure
Borrow against the equity in your home to get a low rate loan for debt consolidation, home improvements, or other large expenses.
What Our Members Are Saying
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Out of all the homes I have purchased in the past, working with DuPage Credit Union loan division has been the best experience.
Timothy A
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I am so glad I chose DuPage Credit Union for my home loan...We closed on time and everything was in order.
Petra H
“
They did everything to make it easy for a first time buyer. Answered every question that I might have had or didnt think to ask. And helped in every way. I would definitely recommend them again to anyone looking for a loan!!!
Michelle l
Take the first step towards home ownership.
Mortgage Articles
Should I get pre-approved for a mortgage loan?
Getting pre-approved let’s you know how much home you can afford and indicates to sellers and real estate agents that you’re a serious borrower.
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Homeowners insurance required.
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Consult a tax advisor regarding deductibility of interest.
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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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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 limited 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 60 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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Qualified Members can borrow up to 90% of the appraised market value of their home (up to 80% for first lien closed end loans, condos and second homes), Loan to Value, less the first mortgage owed.
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The Credit Union will issue a $500 bonus for a purchase mortgage or a $250 bonus for a mortgage refinance when you apply using promo code HOME25 between 1/1/2025-12/31/2025 and close by 2/28/2026. The bonus will be deposited into the membership savings account associated with the home loan within 30 days of closing date. Minimum mortgage purchase loan is $225,000 and minimum mortgage refinance loan is $100,000. Underwriting guidelines apply and loan must be serviced with DuPage Credit Union to qualify for this offer. This special offer cannot be combined with other offers. DuPage Credit Union Team, Board and Committee Members are not eligible for this offer. Rates and terms subject to change without notice. Additional requirements may apply. Must have a Credit Union membership established and be in good standing. Membership savings: minimum $5 to open; minimum $100 to earn dividends. Membership savings annual percentage yield is variable and may change after account opening without notice. Contact us for current rates.
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Rates shown are base rates accurate as of 6/18/2025 7:30am CST based on a mortgage in DuPage County, IL. Rates subject to change at any time and your rate may be higher or lower based on underwriting factors. 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 limited to, loan type, property type, and occupancy type. Payment Examples: 30-year fixed-rate mortgage at 6.625% for a $225,000.00 first mortgage loan with an 80% LTV and credit score of 780 or higher would have a monthly principal and interest payment of $1,440.70; 20-year fixed-rate mortgage at 6.125% for a $225,000.00 first mortgage loan with an 80% LTV and credit score of 780 or higher would have a monthly principal and interest payment of $1,628.24; 15-year fixed-rate mortgage at 5.875% for a $225,000.00 first mortgage loan with an 80% LTV and credit score of 780 or higher would have a monthly principal and interest payment of $1,883.52; 10-year fixed-rate mortgage at 5.625% for a $225,000.00 first mortgage loan with an 80% LTV and credit score of 780 or higher would have a monthly principal and interest payment of $2,455.80. The payment examples and all other information on this page are provided for comparative purposes only. The payment examples do not include mortgage insurance, homeowners’ insurance, property taxes, or homeowner association dues. Your actual payment obligation will be greater considering taxes and insurance premiums. Homeowners’ insurance is required.
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