Home Mortgage

Whether it's your first home or your dream home, we make the buying process easy

Connect with our loan team
or call 715-833-7251

Open the door to your new home at Royal Credit Union!

We love helping homebuyers find the perfect place to call their own. Our team will work with you to find a home loan solution that meets your needs! Here's what you can do with Royal:

Complete our online mortgage loan application
Get preapproved to buy a home
Refinance your current home loan
Lock in the best interest rate after an accepted offer

Buying a home could be the biggest purchase of your life. At Royal Credit Union, we’ll explain the ins and outs of home mortgage loans and make sure you understand things. We’re here to answer all your home loan questions!

Fixed Rate Mortgage

In this type of home mortgage, the interest rate is “fixed” and stays the same for as long as the loan lasts.
Royal Credit Union offers fixed-rate mortgages for terms of 10, 15, 20, or 30 years.
A 30-year fixed-rate mortgage is the most popular home loan choice because it offers low monthly payments and a locked-in rate.

Fixed Rate Mortgage Rates

Term

Rate

APR

Monthly Payment

Rate and payment are based on a loan amount of $245,000 for the refinance of a single family primary residence.

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Adjustable Rate Mortgage

This type of home loan is sometimes called an ARM, which stands for adjustable-rate mortgage.
ARM interest rates are tied to the market rate. The interest rate can go up or down during the term of the loan.
We offer adjustable-rate mortgage terms of 15, 20, or 30 years, and rate lock periods of 1, 3, 5, or even 10 years.