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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.
New, Lower Home Loan Rates as Low as 5.99% With 6.338% APR* for 30 Years
NOW–DECEMBER 31
The GECU Mortgage team simplifies homebuying by guiding you through every step of the process. Plus, you can lock in your rate for up to 90 days and save up to $4,500 in closing costs.**
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.
- May qualify for little to no down payment
- Competitive home loan rates and easy terms
- Home-purchase assistance programs2
- Preferred Builders Program
- Financial education
- Rate buydown3 option available
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
You may save money when you refinance your current home loan with GECU.
You may 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
- May qualify for lower mortgage payments
- Terms that work for you
- May save money and get cash
We’re Here to Answer Your Home Loan Questions
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How can I 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.
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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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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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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 house can I afford?Visit our home-affordability calculator to get an idea of how much house you can afford.
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How do I access my credit score?
You can access your credit score using SavvyMoney4 in GECU Online Banking or the GECU Mobile App!5 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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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 get prequalified for a home loan?Getting prequalified for a GECU mortgage loan when you’re ready to begin your home search is recommended. Being prequalified 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 prequalification 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.
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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 generally consist of the principal, interest and other factors such as taxes and insurance. Your home loan interest rate will be a fixed rate that remains the same for the life of the loan.
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! -
How much can I get prequalified for when I'm ready to apply for a home loan?The amount of home financing that 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.
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What credit score is needed for a home loan?A higher credit score can help improve your chances of qualifying for a home mortgage loan at an interest rate and payment amount that meet your needs. However, your credit score doesn't guarantee you a home loan. Other factors that are considered in qualifying for a mortgage loan include 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 loan.
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Can I lower the interest rate on my home loan?Yes, GECU offers a rate buydown option that allows you to purchase points that can be used to lower the interest rate on your home loan which saves you money over the term of the loan. Our home loan professionals can help you decide if this is the right option for you. Apply online now!