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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
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Fixed monthly principal and interest payments for the life of the loan
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Available for purchases, refinances and cash-out refinances
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Available in 10, 15, 20 and 30 year terms
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Minimum down payment of 5% (3% for First Time Homebuyers)
Adjustable Rate Mortgages (ARMs)
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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.
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Available in 3, 5, 7 or 10 years as a 3/6, 5/6, 7/6, 10/6 SOFR ARM
FHA Mortgages
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More relaxed credit requirements and minimum down payment of 3.5%
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Available in 15 and 30 year terms
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Available for purchases, refinances and cash-out refinances
VA Mortgages
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Affordable financing and no down payment requirements
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Available in 15 and 30 year terms
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Available for purchases, refinances and cash-out refinances
First-time Home Buyer Program
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At least one borrower hasn't had ownership interest in a property in the last three years.
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Minimum down payment of 3%
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Make mortgage payments through Access My Mortgage online.
Last year 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:
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Homebuying and Mortgage Workshop
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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.
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Free consultations that include preliminary asset, income and credit review.
NMLS #: 530593
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:
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Legal Name
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Birthdate
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Social Security Number
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Addresses from the past three years
Employment Information:
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Employment history and monthly income from the past three years
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Copies of previous two years W-2s
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Copies of previous two years signed Federal tax returns
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Copies of most recent pay stubs reflecting one month's income
Other Documentation:
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Copies of most recent bank statements (at least two months)
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Copies of previous months stocks, bonds, investment accounts (if applicable)
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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)
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Current mortgage statement (if applicable)
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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 to fund home improvement projects, paying down large debts or financing unexpected expenses or emergencies.
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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.*
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Use up to 85% of the equity in your home.
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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. Members can receive a 0.25% discount2.
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Use up to 85% of the equity in your home.
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Interest may be tax deductible (consult your tax advisor to find out if you qualify)
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Annual Percentage Rate (APR). Home Equity Fixed Rate (HEFR). Minimum loan amount $10,000. Advertised rate is based on excellent credit history, first lien position and discount. Owner occupied, primary residence only. Membership and other qualifications apply. The interest rate you receive will be determined by your creditworthiness and lien position. Payment example: a $10,000 loan with a 60-month term at 7.75% would have 60 payments at approximately $200.82, resulting in approximately $2,049.20 finance (interest) charges. Payment may vary from example if electing KCT Protection. Rates subject to change. All loans subject to approval.
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