Mortgages

The Focus Federal Credit Union offers a variety of mortgage options to suit your needs. Whether you are looking to purchase your first home or buying your next home, we have a mortgage program to help and with local processing and underwriting, you will quickly know what options are available.

Competitive rates

Low closing costs

Local processing and underwriting

Servicing retained – your loan stays with Focus

Purchase, refinance, & land loans

Quick Response

Pre-approved in as little as 24 hours

Today’s mortgage rates*

MORTGAGESRateAPRPayment Example & Disclosure
15 Year Fixed Mortgage4.125%4.224%CLICK HERE
10 Year Fixed Rate4.00%4.142%CLICK HERE

15 year vs 30 year Mortgage


Compare the difference between a 15 year mortgage and a 30 year mortgage to see how much you could save in interest

LONGER
TERMS


Looking for a mortgage exceeding a 15-year term? Our friends at Centennial Lending can help.

You may also use this link to access your current loan information with Centennial Lending.

HOMEOWNER'S
INSURANCE


Get more information about discounted homeowner’s insurance for members.

Click here to view the HUD Buying Your Home Guide.
NMLS #421531

DISCLAIMER

*APR = Annual Percentage Rate. Rates subject to change. Please note that the interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.

Mortgages

Focus Federal Credit Unions’ mortgages offer options to suit your every home ownership need. First Mortgage Loans, Second Mortgage Loans and Home Equity Lines of Credit are all available from The Focus Federal Credit Union.

Fixed rate

Low closing costs

Low rates

Local processing

Conventional only

30-45 day turn around

.50% origination fee (included in total closing costs)

Pre-approved in as little as 24 hours

Today’s mortgage rates*

MORTGAGESRateAPRPayment Example & Disclosure
15 Year Fixed Mortgage4.125%4.224%CLICK HERE
10 Year Fixed Rate4.00%4.142%CLICK HERE

15 year vs 30 year Mortgage


Compare the difference between a 15 year mortgage and a 30 year mortgage to see how much you could save in interest

LONGER
TERMS


Looking for a mortgage exceeding a 15-year term? Our friends at Centennial Lending can help.

You may also use this link to access your current loan information with Centennial Lending.

HOMEOWNER'S
INSURANCE


Get more information about discounted homeowner’s insurance for members.

Click here to view the HUD Buying Your Home Guide.
NMLS #421531

DISCLAIMER

*APR = Annual Percentage Rate. Rates subject to change. Please note that the interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.