The values on this form are for discussion and illustration purposes. This page is not a commitment to lend or extend credit. Your actual rate and term will vary and are dependent upon the applicants’ creditworthiness and the mortgage loan chosen.
In addition to a low, fixed rate, Essential's tailor-made Smart Saver Mortgage offers 100% financing and no PMI. Buyers can pack in confidence knowing they are making the right choice with a Smart Saver Mortgage. This is a limited time offer almost too good to be true! Apply and get moving!
Use Quick Start to find the right mortgage program for you. Quick Start takes approximately 5 minutes to complete. The full application takes about 25 minutes.
Fannie Mae and Freddie Mac Programs
Fannie Mae and Freddie Mac programs are federally chartered organizations designed to bring global capital to local communities by purchasing and guaranteeing loans made by Essential Credit Union. As a home owner, you’ll benefit from these programs because of these great features:
Use Quick Start to find the right mortgage program for you. Quick Start takes approximately 5 minutes to complete. The full application takes about 25 minutes.
HomeReady® Mortgage from Fannie Mae
The HomeReady Program was designed for creditworthy, low to moderate income borrowers in mind. This loan offers expanded eligibility for financing primary homes in designated low-income, minority, and disaster-impacted communities. Apply for a HomeReady Loan and enjoy these benefits:
Use Quick Start to find the right mortgage program for you. Quick Start takes approximately 5 minutes to complete. The full application takes about 25 minutes.
An FHA Home Loan is our most flexible mortgage product. It’s a great first home option as the Federal Housing Administration makes homeownership possible for a broader range of buyers. Aside from no income limits or location restrictions, our FHA loan also features:
Use Quick Start to find the right mortgage program for you. Quick Start takes approximately 5 minutes to complete. The full application takes about 25 minutes.
Let us thank you for your service by helping you with the purchase of a new home.
Patriotism is essential and that's why we offer a special home loan just for Veterans. You have sacrificed so much with your military service, but with 100% financing you do not have to sacrifice when it comes to buying a home. Our VA Loan Program features:
Use Quick Start to find the right mortgage program for you. Quick Start takes approximately 5 minutes to complete. The full application takes about 25 minutes.
At Essential, we make the home buying process easy with quick and local decision making. No loan is too big or too small
Our Jumbo Loan Program is specifically designed for larger mortgage loan amounts. The home loan can be a primary, secondary, or investment home.
Use Quick Start to find the right mortgage program for you. Quick Start takes approximately 5 minutes to complete. The full application takes about 25 minutes.