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Home & Land Loans
First Mortgage
Conservation Employees Credit Union offers both fixed-rate and adjustable-rate mortgages. All mortgage loans originate through the credit union, and funding and closing services for the fixed-rate loans are provided through our mortgage partners. Read on to learn which option is right for you!
Fixed-Rate Mortgage
These loans feature competitive rates and low closing costs, plus payments from your CECU account can be automated. Our fixed-rate mortgages are even available for secondary residences and investment properties.To apply for a fixed-rate mortgage through Mortgage Solutions, click here for the Mortgage Center.
Adjustable-Rate Mortgage
Available for Missouri homes only, this option allows members to capitalize on low rates and great credit union service. All financing is adjustable for the life of the loan, but rates will only go up or down by two percent during each adjustment period of five years. Members may borrow up to 80% of the home’s value for terms as long as 30 years.To complete an adjustable-rate loan application with CECU, click on the links below.
Both forms must be completed in order to apply.
Uniform Residential Loan Application
Borrowers Signature Authorization
For full details on rates and eligibility for either of these programs, contact a CECU Loan Officer at (573) 522-4000 or toll free at (888) 897-2323.
Unimproved Land Loans
Eligible land is defined as real estate land located in Missouri, of which the appraised value can include improvements on the property at the time of the loan. These adjustable-rate loans are applicable as a first mortgage only, and will be extended for up to 80% of the appraised land value. With terms up to 30 years, these loans allow members to purchase the property they need at a low rate.
For rates, full details and eligibility information, contact a CECU Loan Officer at (573) 522-4000 or toll free at (888) 897- 2323.
To complete an adjustable-rate loan application with CECU, click on the links below.
Both forms must be completed in order to apply.
Uniform Residential Loan Application
Borrowers Signature Authorization
Home/Land Equity Loans
Available for homes and property located in Missouri, these adjustable-rate loans allow members to access the equity built up in their homes and land. Interest is based upon prime rate and adjustments are made every five years, with a maximum adjustment of 2%. These loans may be first or second mortgages, with single or multiple advances over a 10-year draw period. Members may borrow up to 90% of the assessed or appraised value less their existing mortgage for terms up to 20 years.
For rates, full information, applications, and eligibility details, contact a CECU Loan Officer at (573) 522-4000 or toll free at (888) 897-2323.
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 Federally insured by the NCUA |
2901 W. Truman Blvd. |
Mailing address: |
(573) 522-4000 |
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