Home Loans

Discover an easier path toward homeownership with the folks that care.

Ready to blaze a trail towards the right home loan for you? Excite can help.

Purchase your home with Excite Credit Union and earn $500 off closing costs.*

Adjustable-Rate Home Loans

A powerful tool to maximize your borrowing, adjustable-rate mortgages (ARM) from Excite Credit Union provide low-cost and high reward home loan options.

We offer three unique types of 30-year ARMs, including 3/1, 5/1, and 7/1. These mortgages will adjust their rates every one year after an initial fixed period. 

Other benefits of an adjustable-rate home loan include:

  • Taking advantage of falling interest rates
  • Low introductory rates
  • Up to $2M

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Fixed-Rate Home Loans

Ranging from 15 to 30-year terms, Excite Credit Union’s fixed-rate mortgages may be the best financial decision for you and your family.

This type of home mortgage provides security and predictability in many ways, including:

  • Fixed payments from month-to-month
  • Protection from rising rates
  • Competitive interest rates

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Refinance Loans

No matter how you want to refinance your home, trust Excite Credit Union to deliver the outcomes you want in any situation. 

We offer refinanced home loans in a variety of terms, including:

  • 30 Year Fixed
  • 20 Year Fixed
  • 15 Year Fixed
  • 3/1, 5/1, and 7/1 ARM

Learn More        Rates

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Home Equity Line Of Credit (HELOC)

Get access to a revolving line of credit using the equity value in your home. Use pooled funds to finance exactly what you need, tapping into a resource that remains open to you no matter when, how, or where you want it. 

Discover outstanding features such as:

  • Competitive interest rates
  • Low-cost funds accessible for any need
  • Check, online banking, and in-person withdrawals
  • Affordable monthly payments

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FHA Loans

With all the uncertainty a new home can bring, looking into a Federal Housing Administration mortgage may be the perfect decision for you and your family. 

Get incredible deals on your next home with:

  • Low down payments (3.5% of the purchase price)
  • Zero earning limits or income ceilings
  • First-time buyer services
  • Fixed-rate loan options

Learn More

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VA Mortgages

To all active-duty military, veterans, and reservists - Excite Credit Union salutes your service! VA members have access to low cost, flexible mortgages that may greatly improve your home buying process. 

Enjoy benefits such as:

  • 100% financing
  • No down payment for qualified borrowers
  • Fixed-rate loans options
  • Flexible credit guidelines

Learn More

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Home Loans Calculator

Enter your information below to determine how much your home loan would cost over time.

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