Mortgage Loans

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Mortgages

You can apply to NCFCU for a first mortgage/purchase money loan. However, funding for first mortgages may be provided by affiliate lenders. With NCFCU, fixed or variable rates are competitive. Our terms are flexible and available for up to thirty (30) years. Your rate can be affected by how many "points" you pay toward your mortgage, if any. When you pay a high number of points, you receive a lower APR rate; pay a low number of points and receive a higher APR rate.

We have a partnership with PHH Mortgage Services, a subsidiary of Cendant Mortgage, to provide you with efficient, up-to-date mortgage processing. This relationship offers you these great PHH processing benefits:

Mortgage Loan Consultants available six days a week, with extensive evening and weekend hours.

Pre-approval option for the buyer advantage.

Over 50 mortgage programs to service your needs.

Same day mortgage decisions.

Guaranteed on-time closing or you get a 1/8 of one percent loan rate discount for the life of the loan.

Guarantee to never transfer or sell the servicing of your mortgage.

Call PHH toll free at 1-877-391-9527 for more information.