Find Your Home Loan

Select a choice below that best describes your home loan needs

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Adjustable Rate Mortgage

Typically offers lower monthly payments before the rate adjusts
  • Initial interest rate is typically lower, which means a lower starting monthly payment
  • Fixed interest rate and monthly payment for initial time period
  • Rate increases are capped

Fixed Rate Mortgage

Know what your principal and interest payments will be each month for the loan term
  • Choose from various terms, up to 30 years
  • Lock in your interest rate for the life of the mortgage
  • Great if you plan to own your home for many years

Advantage Mortgage

Refinance and own your home free and clear faster with 8 or 12 year terms
  • Low, fixed rate
  • Low closing costs
  • Short term mortgage

Home Equity Loans & Lines

Tap into your home's equity for remodeling, debt consolidation, education costs or anything else
  • Low, competitive rates
  • Borrow up to $250,000
  • No closing costs when CLTV is less than or equal to 80%

Mortgage Refinance

Refinance to free up some money each month
  • Choose from a fixed or adjustable rate mortgage
  • Competitive rates
  • Potential monthly savings

Frequently Asked Questions

A lender will look at your credit and work history, income, and assets to determine the maximum purchase price/loan amount you are qualified for based on current market interest rates. Once you get pre-approved, you’ll receive a letter stating how much you are qualified for (based on the information you provided). 

It is important to remember that the amount you are qualified for can change if your circumstances change or if interest rates change. A mortgage pre-approval is very helpful when establishing your budget, and it makes you more attractive to sellers. If you are searching for new home, it makes sense to get pre-approved and provide your Real Estate Agent with your pre-approval letter so they can start showing you homes.

The mortgage pre-approval process is a much more thorough review of your finances. Your loan officer will pull and review your credit and complete a comprehensive review of your work history, income documentation (W-2’s, tax returns), and available assets (bank and investments statements). Getting pre-approved will help you make an offer with confidence knowing the lender has most of the information needed to make a loan decision that is not associated with the property (i.e., appraisal, title search, homeowner association rules).

Getting pre-approved at Sikorsky Credit Union is quick and easy! Some of the documents you will want to get ready include:

  • Personal identification
  • Most recent month of pay stubs
  • Last two months of bank and asset statements (all pages)
  • W-2's from the last two years

Once you have everything you need, you can contact a Home Loan Consultant directly to schedule a face-to-face appointment at one of our branch offices. Or, if you prefer, you can apply online and someone will be in touch. Our Home Loan Consultants live and work in the communities we serve and offer personalized service tailored to your individual needs. They will be with you from start to finish to answer any questions you may have and guide you along the way. Once you are pre-approved, you will receive your letter and you can let your home buying journey begin.

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