Our loan options give you the confidence to find a home in today’s fast-paced market.
With houses selling so quickly, it’s important to get pre-approved before looking for your dream home.
Emery offers loan options to fit your needs whether you’re buying your first home, last home or refinancing your current home.
- First Time Homebuyers Program
- Conventional Loans
- FHA/VA and USDA Loans
- Competitive Rates
- Local and Knowledgeable Mortgage Team
Introducing Emery’s New WealthBuilder Program!
Our new WealthBuilder program allows you to purchase a great home and keep more money in your savings. Apply today to get preapproved before you go looking for your new home!
We offer any loan option to fit your needs, and now is the perfect time to buy or refinance your home! Apply Online or contact the nearest Emery Federal Credit Union branch to learn more.
Home Purchase Basics
Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you’re a first-time homebuyer.
A home purchase may be your largest financial transaction to date, so it’s important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.
At Emery, we’re excited and honored to help you start this new chapter in your life.
*No down payment option only applies to 20-year fixed rate loans up to $850,000. PMI required. Minimum 2 months reserves. 43% maximum total debt ratio. Offer subject to first mortgage lien, based on credit worthiness. Owner occupancy, single family properties eligible. Minimum borrower contribution of $1,000 or 1% of loan value. No cash value. Offer void if transaction is rescinded. Limited time offer.