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    Mortgage

    Make Your
    Move

    Buy a home you can make your own, with a CCCU mortgage and local guidance from pre-approval to closing day.

    Apply Online
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    Featured Offer

    Up to $1,000
    Off Closing Costs

    Enjoy Up to $1,000 Off Closing Costs

    For a limited time, we're offering up to $1,000 off your closing costs when you attend a Home Buying webinar or complete GreenPath's Home Buying Course.

    Apply Mortgage
    Take Course

    More Room to Make It Happen

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    Down Payments as Low as 3%

    Buy with as little as 3% down, or 1% through qualifying Heroes & Experts programs.

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    Simple Pre‑Approval

    Know how much you can borrow before you start shopping.

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    No Hidden Fees or Prepayment Penalties

    Understand your loan costs upfront and pay off your mortgage early without a penalty.

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    Local Mortgage Experts 

    Work with a Minnesota team that knows the local housing market.

    CHECK CURRENT RATES

    Explore Your Mortgage Loan
Options

    First-Time Home Buyer
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    First-Time Home Buyer

    Take the step from renting to owning with financing for your first home.

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    Your Next Home
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    Your Next Home

    Buy for the extra bedroom, shorter commute, or new neighborhood you have in mind.

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    Conventional Mortgage
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    Conventional Mortgage

    Explore competitive rates and repayment terms for your home purchase.

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    FHA Loans
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    FHA Loans

    Buy with lower down payment requirements and flexible qualification.

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    VA Loans
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    VA Loans

    Use the mortgage benefits you’ve earned as an eligible veteran or service member.

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    Support for the People Who Serve

    Put as little as 1% down and keep more of your savings in your pocket with programs designed for educators, first responders, and licensed specialists.

    SEE IF YOU QUALIFY

    When I moved back to the Twin Cities after living in DC, I had to start life over. CCCU helped me rebuild — from my first vehicle loan to the mortgage for our family's home. This is just the beginning of an everlasting relationship.

    — Mike V., CCCU Member

    I've been a City & County member pretty much my whole life, this year the team helped me in purchasing a new home! They provided a webinar that helped inform me on the mortgage process and were with me every step of the way answering all my financial questions. 

    — Brittany P., CCCU Member

    Know Your Payment Before You Pick a Place

    Estimate your monthly mortgage payment, including property taxes, homeowners insurance, and any HOA dues.

    Calculate Your Payment

    Give Your Current Mortgage a Second Look

    Compare a new loan with the mortgage you have now to see whether refinancing could:

    • Lower your monthly payment.
    • Shorten your repayment term.
    • Reduce what you pay in interest.
    Comparison Calculator
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    Get the Home Buyer's Guide

    Get practical tips on preparing your finances, comparing home loans, and understanding the paperwork before you sign.

    Download The Free Guide

    Mortgage FAQs

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    Let's Get You Home

    Apply online, or talk with a CCCU mortgage expert about starting your application.

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    Talk to a Mortgage Expert

    Our mortgage team handles mortgages every day. We're here to help you make the right choice for your next home-buying journey.

    Up to $1,000 off Mortgage Closing Costs
    Equal Housing Opportunity. Mortgages not available in all states. Closing cost credit is applied as a lender credit towards eligible closing costs. Closing cost offer available on applications submitted through 12/31/2027 and subject to change. Loans greater than $100,000 may be eligible for up to a $1,000 lender credit, all others may receive up to a $750 lender credit. If applicant does not complete all 5 lessons in the GreenPath Learning Lab+ Home Buying Course, lender credit will be $250 less than quoted amount. Offer not available for home equity or commercial loans. Other restrictions may apply. Contact us for more information.