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Mortgage Loans

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Conventional Loans
  • Down payments between 5% - 20%
  • Used for purchase or refinance of primary, secondary or investment property
  • No mortgage insurance if 80% LTV or lower 
  • Down Payment Assistance Programs available
VA
  • 100% purchase financing 
  • No PMI 
  • Cash out up to 100% of Property Value 
FHA
  • Lower credit score requirements
  • Low down payments (3.5%)
  • Down Payment Assistance Programs available 
USDA/Rural Development
  • Occupy property as Primary Residence
  • Property address must qualify for financing 
Reverse Mortgage
  • Be 62 years of age or older
  • Occupy property as Primary Residence 
  • Closing costs can be financed into the loan

Local Decision Making

 

Patty Raitt
Patty Raitt, Mortgage Officer 
(217) 919-2124 | Call or Text!
patty@membersfirstccu.com

NMLS #1405265

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