The perfect mortgage does exist! We offer several different types of mortgages to fit your needs!
The perfect mortgage starts with the right lender. At Brewery Credit Union, we provide multiple mortgage loan options with transparent terms, flexible structures, and personalized guidance to help you reach your homeownership goals.
FIXED RATE MORTGAGES
- 7 year mortgage available for your low balance loan. If your mortgage loan amount is under $40,000, this may be a great option for you.
- 15 year mortgage is the ideal home loan for buyers who can afford higher monthly payments and want to pay off their mortgage in half the usual time.
- 20 year mortgage is a great way to build home equity faster and become mortgage-free 10 years sooner compared to a 30-year mortgage.
- 30 year mortgage offers lower, more affordable monthly payments that will allow you to qualify for a higher loan amount while still being budget friendly.
Fixed-rate mortgage loans from Brewery Credit Union provide long-term stability, predictable payments, and competitive credit union mortgage rates, making them ideal for members who value consistency and financial planning.
ADJUSTABLE RATE MORTGAGE (ARM)
- Lower initial interest rate than a fixed rate mortgage
- Lower closing costs
- The ability to take advantage of falling interest rates without refinancing
ARM loans can be a smart choice for members who plan to move or refinance in the future and want to benefit from lower initial mortgage rates offered by a trusted credit union.
FIRST TIME HOMEBUYER
A simplified, home loan process with first time buyers in mind.
- Lower down payment
- Fixed rate product to maximize affordability
- Practical approval process
Our first-time homebuyer mortgage loans are designed to make homeownership more accessible, combining affordable credit union mortgage rates with clear guidance at every step.
REFINANCE YOUR MORTGAGE
- Lower your monthly mortgage payments or your current interest rate
- Reduce your current mortgage term & payoff your current mortgage sooner
- Eliminating Private Mortgage Insurance (PMI), if applicable
- Changing your loan type, such as from an adjustable rate to a fixed rate
- Accessing your home equity for other purposes, such as investing, renovating, or consolidating debt
Mortgage refinancing through Brewery Credit Union can help members take advantage of better credit union mortgage rates, improve cash flow, and align their loan with long-term financial goals.
Why Choose Brewery Credit Union for Mortgage Loans?
✔ Competitive credit union mortgage rates
✔ Flexible mortgage and refinancing options
✔ Transparent terms with no hidden surprises
✔ Member-focused service and local expertise
Explore mortgage loans designed around your needs. Apply online or contact Brewery Credit Union to get started today.
Frequently Asked Questions
Yes. Membership is required to apply for a mortgage loan with Brewery Credit Union. Becoming a member allows you to access competitive credit union mortgage rates, personalized lending support, and long-term financial guidance
Brewery Credit Union offers several mortgage loan options, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), first-time homebuyer loans, and mortgage refinancing solutions. Our lending team helps members choose the option that best fits their financial goals.
Credit unions often offer lower and more competitive mortgage rates compared to traditional banks. Because Brewery Credit Union is member-owned, our focus is on affordability, transparency, and long-term value rather than profit.
A fixed-rate mortgage has a consistent interest rate and monthly payment for the life of the loan. This option provides stability and predictability, making it a popular choice for members planning to stay in their home long term.
Yes. Brewery Credit Union provides mortgage solutions designed specifically for first-time homebuyers, including lower down payment options, fixed-rate products, and a practical approval process with guidance at every step.
Yes. Mortgage refinancing may help members lower their interest rate, reduce monthly payments, shorten their loan term, or eliminate private mortgage insurance (PMI), when applicable. Our team reviews your situation to determine if refinancing makes sense for your goals.
Our experienced lending team provides personalized guidance from application through closing. We take time to explain loan options, answer questions clearly, and help members make informed decisions with confidence.
Yes. Members can start their mortgage loan application online at any time or contact Brewery Credit Union directly to speak with a lending specialist for personalized assistance.