Couple with their dog in a new home

Mortgages

Finance Wisely. Live Confidently.

Whether you’re a first-time homebuyer or a seasoned real estate investor, we have mortgage solutions designed to support every step of your journey.

 

Benefits

Call Federal supports your homebuying journey with expert guidance and practical tools, helping you avoid unnecessary fees, penalties, and stress.

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The Right Mortgage

Explore a variety of mortgage options, including traditional, FHA, VA, and more, to find the perfect fit for your needs.

No Fees

No Application Fees

Take another expense off your list when you finance your home purchase with Call Federal.

ATM

No Prepayment Penalties

Enjoy the freedom to pay off your mortgage early with no penalties.

Community

The Mortgage Team

Count on us to guide you every step of the way on your homebuying journey.

Explore your mortgage options

Which of the following benefits do you want out of your mortgage?

 

Rates

Conventional Fixed Mortgages for Home Purchase

Term

Rate*

APR**

Points

*Rates posted are indications only and are subject to change without notice. If you wish to lock in your rate, please consult with your mortgage officer. **APR=Annual Percentage Rate. All rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates advertised are our lowest offered rates at the time of submission. Your rate may be higher. Loans are subject to approval. Certain restrictions may apply. Rates Effective Date: February 18, 2025.

Term

30 Year

Rate*

6.875%

APR**

6.988%

Points

0.125 Points

Term

30 Year (+ Points)

Rate*

6.375%

APR**

6.644%

Points

1.750 Points

Term

20 Year

Rate*

6.250%

APR**

6.538%

Points

1.250 Points

Term

15 Year

Rate*

5.625%

APR**

6.100%

Points

2 Points

Term

10 Year

Rate*

5.375%

APR**

5.990%

Points

1.750 Points

SEE ALL RATES

Estimate your monthly mortgage loan payment

Enter the amount you wish to borrow to purchase your home, then calculate your estimated monthly payment.

Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ.

Need a little more information?

Being prequalified gives you an estimate of how much you might be able to borrow. It’s based on a general review of your financial information.

Being pre-approved, however, provides a specific loan amount you are eligible for. It’s a formal statement from the lender, giving you a clear understanding of your borrowing power and making you a stronger buyer.

A mortgage pre-approval at Call Federal Credit Union is typically valid for 90 days. This gives you ample time to search for the right home with confidence.

If your pre-approval expires before you find a property, you can request a renewal by providing updated financial information. Contact our mortgage team for assistance or more details!

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Disclosures

*Rates posted are indications only and are subject to change without notice. If you wish to lock in your rate, please consult with your mortgage officer. **Payments listed assume: a loan amount of $175,000, property value of $250,000, excellent credit of 740 or greater, no subordinations- no other loans against the property, such as home equity loans or lines of credit and assumes the dwelling is for primary residence use, payment examples only reflect principal and interest payment and excludes escrow (real estate property tax and home owners insurance (aka hazard insurance), which would cause the actual payment to be higher. We do business in accordance with the federal fair housing lending laws.

 

Equal House Lender