Home Loans

Options to help you fund home sweet home.

Family sitting together admiring a newborn baby

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.

Fixed Rates

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.

Purchases and Refinances

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.

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.



Ready to take the next step?     Meet our financing team


*Equal Housing Lender

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