Astronomical savings when you purchase or refinance with Excite. Save up to $1795 in California and up to $1595 in North Carolina*.
Plus earn an additional $250 towards your home purchase or refinance with our Fast Track Rewards Program.*
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
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
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
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
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
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
Home Loans Calculator
Enter your information below to determine how much your home loan would cost over time.
Meet Our Mortgage Team
Excite Credit Union has experienced mortgage loan officers ready to help with all your home financing needs!
Move Forward In Confidence With Excite Credit Union
Legal Mumbo Jumbo:
*First mortgage loans only. Savings breakdown are: CA: Processing Fee $500; Underwriting Fee $799; Loan Document Preparation Fee $496= $1795 total Excite Fees being waived. NC: Processing Fee $400; Underwriting Fee $799; Loan Document Preparation Fee $396= $1595 total Excite Fees being waived. Offer available from November 1, 2021 - December 31, 2021.
$250 Fast Track Rewards for 5 day mortgage application completetion. All credits will be applied at the time of closing if requirements are meet.