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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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 from $50,000 to $548,250.

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 terms ranging from 7-30 years.

  • Your payment never changes regardless of the rate environment.
  • Flexible terms: 7, 8, 9, 10, 15, 20, and 30 year terms.
  • Down payments as low as 3% with loans from $50,000 to $548,250.
  • 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 up to 30 years.

  • 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 $548,250.
  • We lend on primary, secondary, and investment properties.1skip to disclosure


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.

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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.


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
Professional woman

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.

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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 259 Reviews of Mortgage Loans
Five Star Review

Kudos to Nora H and Nicole L.
Thank you so very much for making our refinance experience a great one…
Compared to other companies we had inquired with DuPageCU stands out … with service, professionalism, knowledgeable and timely process.
Rich and Cherie E

Cherie E
Home Refi

An absolutely great experience! Worked with Matt F and Nichole L. The refinance process went smoothly, and both of these folks treated my wife and I like we were their only clients!

Ken D
Made it easy

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
  • 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.

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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. 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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  • 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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