First Time Buyers: Anywhere from 80% - 100% Financing! Finance the purchase of your home as with Emery Federal Credit Union Many of our programs even offer NO PMI! Low Fixed Rate or Adjustable Rate Programs are available. We also specialize in FHA and VA Loans - Government subsidized mortgages with flexible credit and underwriting guidelines.

New Home Purchases & Refinancing: Low Fixed Rate or Adjustable Rate Mortgages are available! Programs range from loans with little to no down payment to extremely low rate/high equity loans. We offer rate locks up to 365 days for new construction loans.

Jumbo Loans: Competitively Low Fixed Rate or Adjustable Rate Mortgages. Our programs range from moderate purchase and refinance amounts up to multi-million dollar mortgages. Contact us for a custom rate quote based on your personal needs.

Self-Employed Clients: Self-employed clients have a home with Emery Federal Credit Union We can assist you with over 15 different programs specifically designed with you in mind!

Second Homes: Emery Federal Credit Union has access to the best investors for second homes. Investment properties and vacation homes are something we specialize in! Investment properties can be a difficult mortgage, and we give you access to the best wholesale residential and commercial lenders nationwide. Get a custom rate quote for your specific property type. We find you the best mortgage deal the market has to offer! Contact one of our Loan Consultants via our secure and confidential online request form for more information!

Relocations: Enjoy the speed and online convenience of working with your personalized Emery Federal Credit Union Loan Consultant as you search for your new home. We offer online mortgage tools and loan updates via e-mail, as well as coordination of the financing process with your local real estate agent!

New Construction and Renovation: One simple application will make your life easier, with one single closing for your convenience! One set of closing costs will save you money! Build a home on your own land, using the equity in the land as your down payment. Purchase a new lot of land for building your dream home, or your vacation get-away home! Finance the costs of renovations or a new addition on your existing home! Add extras to your home, refinance and save with a new, lower rate.

Consolidate Credit Cards and Other Debt: Turn your high-interest, compound-interest, inefficient debt into savings by making it efficient, tax-deductible mortgage debt! Fill out our online form today, and discuss with one of our Loan Consultants how to get your debt paid off the most efficient way possible!