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Home Mortgage

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

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or call 715-833-7251

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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:

  • Easily import asset and income info from most other financials and payroll providers to 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
  • If you're a first-time homebuyer, get a $100 credit for completing an online homebuyer course
  • First-time homebuyers could also receive a $250 incentive after making their first six on time payments from a Smart Start Checking account

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

Monthly Payment

Rate and payment are based on a loan amount of $250,000 for the purchase of a single family primary residence.

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 mortgages with terms of 15, 20, or 30 years. The rate is locked for 10 years, so it is called a 10-year adjustable-rate mortgage even though the actual repayment time is more than 10 years.

Adjustable Rate Mortgage Rates

Monthly Payment

Rate and payment are based on a loan amount of $250,000 for the purchase of a single family primary residence.

Home Equity Rates

See today’s HELOC rates below, or learn more on our home equity line of credit page.


$100 First-Time Homebuyer Credit

Royal is offering first-time homebuyers a $100 credit* on their closing costs if they complete an online educational course offered by Fannie Mae®. The course explains a variety of mortgage topics, and the information applies to all home loans. Any first-time homebuyer, even those who don’t qualify for Fannie Mae® loans, can take advantage of this credit with Royal. Register for and complete the self-guided online course at

$250 Way-to-Go Rewards For Home Loans

If a Member enrolled in Smart Start Checking is a first-time homebuyer with a Royal Credit Union home mortgage loan and makes their first six payments on or before the due date, Royal will deposit a one-time $250 incentive into their checking account. This incentive is available for first mortgages only. Home Equity Lines of Credit and refinances are not eligible for this incentive.

Royal Makes Buying Your New Home Easy!

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