Home Loans

Options to help you fund home sweet home.

Whether it’s your first home or your fourth, buying a house is an exciting event — one with lots of steps. Our Mortgage Loan Officers will help provide financing options that work for you, and guide you through every stage of the loan process.

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Financing Options

10, 15, 20, or 30 year terms are available. Property must be located within a 100 mile radius of Cobalt Credit Union.

Conventional Fixed Rate

Say no to surprises. Avoid worrying about fluctuations in interest rates and enjoy a consistent mortgage interest rate for the life of your conventional loan.

Cobalt 100

No down payment necessary on this 100% Loan to Value financing solution.

3% Down Payment Mortgage

Whether it's your first home purchase or you have owned before, Cobalt Credit Union has mortgages that you can understand. With a lower down payment, no prepayment penalty, and in-house servicing, you'll know you're making the right move.

Big 10

Shorter terms mean paying less interest over the life of your loan. 

Jumbo Loans

Buying a home that exceeds conforming loan limits? If you have an established credit history and can put at least 10% down a Jumbo Loan might be the option for you.

Extended Locks 

Lock in your rate for up to 365 days on a new construction loan. Secure your low interest rate today! 


Save money by lowering your mortgage payment, paying off your mortgage sooner, or taking out cash to pay off high-interest debt.


Secure a loan to invest in the residential real estate market.

Ready to take the next step?     Meet our financing team


Whether it's home improvement, debt consolidation, or an unexpected expense - now is the perfect time to unlock your home's equity at a great low rate!



Have questions about Cobalt Credit Union? Drop us a line.
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