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Our low rates and convenient terms are the keys to getting into your new home (not literally of course — don’t try sticking them in the lock).

Buying a home is one of the most exciting things you’ll ever do. It’s also one of the most nerve-racking. Hey, we’re just being honest. Luckily for you, though, our First Mortgage Program makes buying a home easy and affordable. With our great rates, you can get a lower payment — which puts extra cash in your pocket. And you’re going to need it. To buy lots of thrilling things like water softeners, lawn fertilizer and shelving. Thrilling. Woo-hoo.

Buying a home

If you’re buying a home for the first-time, you probably have a lot of questions. Our Home Loan Specialists are on hand to help answer them all and any concerns you may have — quickly and over the phone.

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Types of home loans

We’ll personalize a mortgage that fits your needs and budget.

FHA Loan. The easiest way to qualify for a home loan. An FHA give you a government-insured loan with flexible choices, such as a down payment as low as 3.5%. Refinance or buying, it’s the most flexible loan.
30-year Fixed Mortgage. Our most popular loan. A standard of the mortgage world, a fixed-rate loan is a great option for home buyers looking for a rate that stays the same over the life of the loan.
VA Loan. Active duty military personnel, veterans and their qualifying family members are eligible for all the special benefits associated with a VA loan, including no down payment and low interest rates.
15-year Mortgage. Get a secure, low-rate mortgage and pay less interest over the life of your loan.
Adjustable Rate Mortgage (ARM). A top choice for the financially savvy. Maximize your monthly budget with a 5- or 7-year ARM.
Jumbo loan. We offer flexible rates and terms to help you get the loan that’s right for you for a mortgage over $417,000. 15-year, 30-year, FHA and Arm jumbo mortgage options are available, depending on your area.

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Refinancing your home helps you achieve your financial goals

When you refinance your home, you take on a new mortgage loan with different terms and conditions. There are several reasons why you’d want to finance — to lower your monthly payment, shorten your terms or use the equity you’ve built up over time to get cash back out of your home, for example. A Pinnacle mortgage specialist can help you explore your refinancing options and select the one best for you.

Have questions? Visit our FAQ page.

Or call one of our Home Loan Specialists at 1-888-377-9772 today to get the answers you need.

SAFE Act. Click HERE to read PFCU's Safe Act Registration Disclosure.

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Mortgages

Our low rates and convenient terms are the keys to getting into your new home (not literally of course — don’t try sticking them in the lock).

Buying a home

Types of home loans

Refinancing your home helps you achieve your financial goals

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