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MORTGAGE
Find the GECU Home Loan That Fits Your Needs
From first-time homebuying and experienced homeowners to renovating your home and consolidating debt, our home loan1 professionals are here to help every step of the way.
Compare LOANS
GECU Home Loans
Home Mortgage Loans
We are here to guide you through the entire homebuying process.
We are here to guide you through the entire homebuying process.
Best for: Members at any stage of the homeownership journey.
- Little to no down payment
- Competitive home loan rates and easy terms
- Home-purchase assistance programs2
- Preferred builders program
- Financial education
Home Equity Loans
Pay for large projects or purchases using equity from your home.
Pay for large projects or purchases using equity from your home.
Best for: Members looking to make home renovations, consolidate debt, pay for college expenses and more.
- Competitive home loan rates
- Easy terms
- One monthly payment
Refinance your Home Loan
Save money when you refinance your current home loan with GECU.
Save money when you refinance your current home loan with GECU.
Best for: Members who want to get closer to financial independence.
- Competitive home loan rates
- Lower mortgage payments
- Terms that work for you
- Save money and get cash
We’re Here to Answer Your Home Loan Questions
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How to apply for a home loan?
Purchasing a home is an exciting time. When you’re ready to apply for a GECU home loan, apply online, give us a call at 1.800.772.4328, or visit a GECU location near you.
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What documents do I need to provide to apply for a home loan?
For your home loan application, we will review your two-year employment and housing history, along with a review of your assets. As every situation is unique, required documentation may vary. Below is a list of documents that you may need throughout the process.
- Two most-recent W-2s
- Two most-recent Federal Tax Returns
- Pay stubs for the last 30 days
- Two current, valid forms of identification (e.g., driver’s license, state-issued ID, Social Security card)
- Most-recent bank statements for the last two months
- Proof of any other income (Social Security, retirement, etc.)
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Are there any fees associated with refinancing my home loan?A mortgage refinance generally requires the typical closing costs associated with a real estate transaction. These costs may include title insurance, lender fees, attorney fees, appraisal, taxes and more, and may generally be financed into the loan.
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How do I know if a home mortgage refinance makes sense?Refinancing can allow you to switch loan terms depending on your needs. You may change to a longer term if you are having trouble making your monthly mortgage payments or are unsatisfied with your current payment amount, or you may change to a shorter term for a potentially lower rate and save money in interest. Whatever your needs are, our GECU home loan professionals will guide you every step of the way. Use our home loan refinance calculator to see how much you could save.
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I have a 30-year home loan. Am I able to refinance it to a 15-year home loan?Yes, you may be able to refinance your mortgage loan into a shorter term. Talk to one of our GECU home loan professionals to see if this would be a good option for you. A lower term may reduce the total amount of interest that you will pay over the life of the loan.
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How to get pre-approved for a home loan?
Getting preapproved for a GECU mortgage loan when you’re ready to begin your home search is typically recommended. Being preapproved allows you to search for a home confidently and ensures that the payment fits within your budget. With flexible terms, competitive mortgage rates and a simple application, you can have your home financing in place with GECU before you begin your home search. No matter what type of loan you are ready for, GECU has a home loan that is right for you. Fill out our application, call us at 1.800.772.4328 or visit a nearby location.
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What is the current home loan interest rate?Contact us to see what today’s interest rates are by calling us at 1.800.772.4328.
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How much can I get approved for a home loan?
The amount of home financing you qualify for depends on a few factors. These factors can include your current credit score, down payment amount and the length of the loan, among other factors. Get an idea of how much home you can afford with our home-affordability calculator. This can help you determine an approximate payment that you can afford, compare home loans, and even compare the cost of renting versus buying. -
How do I access my credit score?
You can access your credit score using SavvyMoney3 in GECU Online Banking or the GECU Mobile App!4 Enroll now and see how SavvyMoney can help you!
- Access your credit score and report
- Set up credit-monitoring alerts
- Get tips to improve your credit
- Learn how to manage your credit and finances
- Browse through financial education resources
HOW TO ENROLL IN SAVVYMONEY
- Log in to GECU Online Banking or the mobile app.
- Find the credit score widget in online banking and click “Show my score” or tap the “More” button in the mobile app and tap “Credit Score.”
- Opt in and agree to the terms and conditions.
- Start monitoring your credit score!
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How can I view my full credit report?
You can view your full credit report using SavvyMoney in GECU Online Banking or the GECU Mobile App! Enroll now and see how SavvyMoney can help you!
- Access your credit score and report
- Set up credit-monitoring alerts
- Get tips to improve your credit
- Learn how to manage your credit and finances
- Browse through financial education resources
HOW TO ENROLL IN SAVVYMONEY
- Log in to GECU Online Banking or the mobile app.
- Find the credit score widget in online banking and click “Show my score” or tap the “More” button in the mobile app and tap “Credit Score.”
- Opt in and agree to the terms and conditions.
- Start monitoring your credit score!
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Why is my credit score important?Your credit score is based on the information in your credit report. Lenders may use this to determine how likely you are to repay a loan. To view your credit score, enroll with SavvyMoney now.
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What are home loan interest rates?
A home loan interest rate is the percentage you pay to borrow money from a lender for a specified period of time. Your mortgage loan payment will consist of the principal and interest. Your home loan interest rate can be fixed or variable. A fixed interest rate remains the same for the life of the loan. A variable interest rate fluctuates based on current market rates.
Our home loan professionals are ready to help you find a GECU mortgage loan payment and interest rate that meet your needs. Apply online now or call us toll-free at 1.800.772.4328.
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What credit score is needed for a home loan?
A better credit score can help improve your chances of qualifying for a home mortgage loan at an interest rate and payment amount that meets your needs. However, your credit score doesn’t guarantee you a home loan. Other factors that are considered in qualifying for a mortgage loan, such as debt-to-income ratio, the length of the loan and how much of a down payment is being used. Your work history can be another factor that is considered when applying for a GECU mortgage.