Home Mortgages

With a home mortgage from Emery Federal Credit Union, you can count on our expertise, local community know-how, and always going the extra mile. Now you can buy your dream home with confidence and get the added benefits of pre-qualification in person or by phone; low fixed and adjustable rate loans; low closing costs and all loan processing done by local Emery Federal Credit Union representatives.

Your home loan tool kitA step-by-step guide

Consumer Handbook on Adjustable Rate Mortgages (ARM)

Fixed Rate Mortgages

With Emery FCU, you will know the exact amount of principal and interest payments over the life of your home loan. Enjoy the security and peace of mind knowing your interest rate will never change over the entire life of the loan.

Adjustable Rate Mortgages

Emery FCU’s Adjustable Rate Mortgage provides a lower initial interest rate. Because of the lower rate, your monthly payment will be lower in the beginning. Later, you will benefit from our low interest rate caps at each adjustment period.

When it comes to financing your house, we do it all:

  • First and Second Mortgages
  • Home Equity Lines of Credit
  • Originate the Loan Process
  • Review and Process the Loan