Mortgage Loans

First Time Home Buyer

Designed for individuals who have minimal funds for a down payment and closing costs.

Home Mortgage Loans

A variety of terms with fixed and adjustable rates.

Home Free Loan

A shorter term loan designed to help homeowners attain retirement objectives.

Interest Rates Certified by Datatrac

Welcome, to a fast, friendly, comfortable home loan.

At Directions Credit Union, we make the process of getting a home loan quick and easy. Whether you are a first time buyer, building a new home, or want to save money on refinancing, Directions can help simplify the home loan process.

Through our knowledgeable home mortgage team and an array of flexible home loan options, we’ll put together a loan package you can be comfortable with.


Home loan features and options.

  • Fixed & Adjustable Rates
  • Construction Loans & Lot Loans
  • Interest Rates Locked at Application
  • Pre-Approvals
  • No Points with Competitive Closing Costs
  • All loans are Serviced by Directions Credit Union, which means, you make your payment at Directions, and you can contact Directions with any questions during the duration of your loan. You will always receive local service.
  • Mortgage Loan Rates
View a list of our Builder Relationships.
View a list of our Realtor Relationships.

We do business in accordance with Federal Fair Housing Law and the Equal Credit Opportunity Act.

First Time Home Buyer

Directions is dedicated to help guide our new buyers through their first home purchase.  We encourage all first time home buyers to get educated on this major purchase.  And, our First Time Home Buyer Program was designed to do just that and more!  Featuring a lower down payment, closing cost options, and an exclusive 25 year payment term, makes this a great alternative to the more traditional mortgage loans. 

  • Fixed Loan Rate
  • 15, 25, 30 Year Terms
  • Maximum 97% LTV Financing
  • Private Mortgage Insurance is required
  • Has not owned a home for the previous 3 years
  • Borrowers must complete Home Ownership Education course and present certificate.
First Time Home Buyer Guide - learn more on purchasing your first home!


Home Mortgage Loans

  • Fixed Rate Loans for 10, 15, 20 & 30 Years
  • Adjustable Rate Loans for 1, 3 & 5 Years (15 & 30 year terms)
  • Maximum 97% LTV Financing

Apply for a Mortgage Loan

Home Free Loan

The Home Free Loan is designed for individuals who are planning or are close to retirement.  One of the unique features of the Home Free Loan is to shorten the term of the loan, pay off the loan sooner, in order to meet retirement goals.     
Other features include:

  • Competitive Rates
  • Reduced Closing Costs
  • Shorter loan terms available;  5 or 10 years