Home Loans

KCT Mortgage Services

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Don't have time to fill out an application or have an uncompleted application? No worries, you can log back in at any time to finish and submit an application.

Whether you're looking to purchase your first home or refinance your current one, KCT's Mortgage Services can help you every step of the way and offer a variety of financing options to fit your financial goals.

Check Current Mortgage Loan Rates

Checking rates with our Loan Consultant will allow you to enter specific information to get a more accurate rate estimation.

Meet Our Team

Fixed-rate Mortgages

  • Fixed monthly principal and interest payments for the life of the loan
  • Available for purchases, refinances and cash-out refinances
  • Available in 10, 15, 20 and 30 year terms
  • Minimum down payment of 5% (3% for First Time Homebuyers) 

Adjustable Rate Mortgages (ARMs)

  • The rate interest rate is subject to change every 6 months after the initial fixed-rate period expires. ARMs usually offer a lower initial interest rate than fixed-rate loans.
  • Available in 3, 5, 7 or 10 years as a 3/6, 5/6, 7/6, 10/6 SOFR ARM

FHA Mortgages

  • More relaxed credit requirements and minimum down payment of 3.5%
  • Available in 15 and 30 year terms
  • Available for purchases, refinances and cash-out refinances

VA Mortgages

  • Affordable financing and no down payment requirements
  • Available in 15 and 30 year terms
  • Available for purchases, refinances and cash-out refinances

First-time Home Buyer Program

  • At least one borrower hasn't had ownership interest in a property in the last three years.
  • Minimum down payment of 3%

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Make mortgage payments through Access My Mortgage online.

At the myCUmortgage Partner Conference, KCT was recognized as the 2021 Lender of the Year! This conference recognizes credit unions and loan originators for their exceptional work in mortgage lending and we could not be more proud to accept this prestigious award. Director Jessica Robledo and everyone in the mortgage lending department put everything they had into making the last year as successful as it was.

We offer several educational seminars for both our Members and the communities we serve about the following topics:

  • Homebuying and Mortgage Workshop
  • No obligation Debt Checkups for 1st time home buyers or buyers who are interested in a mortgage to start a plan that can be followed to achieve homeownership.
  • Free consultations that include preliminary asset, income and credit review. 

NMLS #: 530593

We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

Get Pre-qualified and start shopping for your next home


Q: Why do I need to get pre-qualified?

A: You will find out how much you can borrow with an estimated interest rate based off your personal situation and any other programs you may qualify for.

Q: What does the pre-qualification process consist of?

A: A formal assessment and review of your credit history* including any assets and debt you may have.

Q: What information do I need to get pre-qualified?

A: General information and documentation including:

Personal Information:

  • Legal Name
  • Birthdate
  • Social Security Number
  • Addresses from the past three years

Employment Information:

  • Employment history and monthly income from the past three years
  • Copies of previous two years W-2s
  • Copies of previous two years signed Federal tax returns
  • Copies of most recent pay stubs reflecting one month's income

Other Documentation:

  • Copies of most recent bank statements (at least two months)
  • Copies of previous months stocks, bonds, investment accounts (if applicable)
  • For self-employed or commissioned borrowers: complete and signed federal tax returns for two years and corporate returns including all pages and schedule forms (if applicable)
  • Current mortgage statement (if applicable)
  • Current owners insurance policy (if applicable)

Home Equity Loans

Equity is the difference between your home’s market value and the balance still owed on your mortgage loan. You can use your home’s equity for funding home improvement projects, paying down large debts or financing unexpected expenses or emergencies.

Check Current Rates

Home Equity Line of Credit (HELOC)

A home equity line of credit is perfect for ongoing home improvement projects, college tuition payments, or an emergency line of credit. This option provides the flexibility and convenience to access funds (up to your approved limit) when you need them.*

  • Lock in an introductory fixed rate as low as 5.49% APR* for the first 12 months. (After the introductory period, a variable rate applies ranging from 7.00% - 10.75% APR**)
  • Low variable interest rate
  • Interest-only payment options available
  • Borrow as little or as much as you need
  • Interest may be tax deductible (consult your tax advisor to find out if you qualify)

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Home Equity Fixed Rate Loan (HEFR)

A Fixed-Rate Home Equity Loan offers members the comfort and security of fixed monthly payments and fixed rates for the life of the loan.* These home equity loans are great for home improvement projects and debt consolidation. 

  • 5, 10, 15, and 20-year terms available
  • Competitive rates
  • Interest may be tax deductible (consult your tax advisor to find out if you qualify)

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1Annual Percentage Rate (APR) Home Equity Line of Credit (HELOC). Rates are variable and subject to change. Rates shown are for homeowners with up to 80% combined loan-to-value (CLTV). There are no fees for opening the plan. However, other fees may apply, including title work ($178), property valuation ($115), and appraisal costs, ranging from $245-$700. A notary signing fee of $235 may be added to the closing costs if the member requests a remote closing. Property insurance is required. Flood insurance is required, if applicable. All loans subject to approval. All fees are estimates and subject to change. Membership and other qualifications apply. Contact us for a full list of potential costs and terms.

*Eligible members will receive an introductory rate of as low as 5.49% APR for the first 12 months. Not all applicants will qualify for the as low as rate. Your rate is determined by your credit history (see Intro Rate disclosure for additional terms); standard variable rate thereafter. To qualify a member must open a new home equity line of credit and member cannot have an existing or prior KCT Credit Union home equity loan or line of credit. Introductory APR cannot be applied to an existing KCT Credit Union home equity loan or line of credit and cannot be applied to fixed segments. Limited time offer subject to end without notice.

**The introductory rate of as low as 5.49% APR is valid for new KCT Credit Union home equity line of credit requests for homeowners with up to 80% combined loan-to-value (CLTV). APR will be fixed at the introductory rate during the 12-month introductory period. After the 12-month introductory period, the rate is indexed to The Wall Street Journal Prime. APR is variable and may change quarterly based on the Prime Rate as reported by the Wall Street Journal, but cannot exceed 21.00%, and the APR will never fall below 4.00%. No annual fees. A late charge of $30 will be assessed if payment is more than 10 days late. Offer is subject to normal credit qualifications. Some restrictions may apply.

^Offer valid for new Home Equity Line of Credit (HELOC) applications submitted between April 1, 2025, and June 30, 2025. The HELOC must be funded by August 1, 2025, to qualify. To receive the $250 cash bonus, the HELOC must be approved, opened, and include an initial draw of at least $10,000 at the time of closing. The bonus will be deposited into the member’s account within 60 days of loan closing. Offer subject to change or withdrawal at any time. Membership and credit qualifications apply. Additional terms and conditions may apply. Contact your credit union representative for details.

2Annual Percentage Rate (APR). Home Equity Fixed Rate (HEFR). Rate listed is “as low as”. Advertised rate shown is for homeowners with up to 80% loan-to-value (LTV) and 60 month term. Other rates and terms available. Membership and other qualifications apply. The interest rate you receive will be determined by your creditworthiness and loan-to-value (LTV). Not all applicants may qualify for the fixed base rate. Payment example: a $10,000 loan with a 60-month term at 7.00% would have 60 payments at approximately $198.52, resulting in approximately $1,911.20 in finance (interest) charges. Payment may vary from example if electing KCT Protection. Rates subject to change. All loans subject to approval. Equal Housing Lender.

There are no fees for opening the plan. However, other fees may apply, including title work ($178), property valuation ($115), and appraisal costs, ranging from $245-$700. A notary signing fee of $235 may be added to the closing costs if the member requests a remote closing. A late charge of $30 will be assessed if payment is more than 10 days late. Property insurance is required. Flood insurance is required, if applicable. All fees are estimates and subject to change. Contact us for a full list of potential costs and terms.

 

 

Make mortgage payments through Access My Mortgage online.

Contact myCUmortgage:
MemberCare@myCUMortgage.com
Phone: 877-912-8006
Fax: 937-912-7184

Member Care Hours:
Mon.-Fri. 8am-8pm ET
Sat., 9am-1pm ET

General Correspondence Address:
P.O. Box 341344
Beavercreek, OH 45434-1344

 

 

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Membership in KCT Credit Union is open to anyone who lives or works within the following counties: Dekalb, DuPage, Grundy, Kane, Kendall, McHenry, and Cook County west of Route 83.