Home Loans
Home. Equity. Opportunity.
Financing for Every Stage of Homeownership.
Whether you’re buying your first home, refinancing your current mortgage, or using the equity you’ve built to finance home improvements, consolidate debt, or cover other major expenses, Campus Credit Union offers home financing solutions designed to help you move forward with confidence.
Buying a home is one of life’s biggest financial decisions. Whether you’re purchasing your first home, moving into your next home, or exploring a mortgage refinance, we’ll help you understand your options, compare financing solutions, and move forward with confidence.
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What Are You Trying to Accomplish?
Every homeownership journey is different. Some members are buying their first home. Others are refinancing to improve their monthly payment or using the equity they’ve built to finance future goals.
Our Home Loan Specialists help members compare financing options, answer questions, and navigate the home financing process with confidence.
Home Buying Tip
Getting pre-qualified before you start shopping for a home can help you understand your budget, strengthen your offer, and make the buying process smoother.
Talk with a Home Loan Specialist to learn whether pre-qualification or pre-approval is available based on your home financing goals.
Compare Home Loan Options
Mortgage Loans
Great For: Purchasing a home or refinancing an existing mortgage.
Ideal if You:
- Are buying your first home
- Are buying your next home
- Want to refinance your current mortgage
Key Features
- Home purchase financing
- Mortgage refinancing options
- Competitive financing
- Local lending guidance
Why Members Choose It
Whether you’re buying your first home or your forever home, our Mortgage Loans help simplify the financing process so you can move forward with confidence.
Home Equity Loans
Great For: Using the equity in your home to finance major expenses.
Ideal if You:
- Are planning home improvements
- Need funds for a large purchase
- Want to consolidate higher-interest debt
Key Features
- Borrow against your home’s equity
- Fixed repayment options
- Competitive financing
- Local lending support
Why Members Choose It
Home Equity Loans help you use the equity you’ve already built to finance important projects and expenses while keeping repayment simple and predictable.
Your monthly payment is only one part of the cost of homeownership. When comparing home loans, consider the total cost of borrowing, including interest, taxes, insurance, and the length of your loan. Looking beyond the monthly payment can help you choose the financing solution that's right for both today and the future.
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Why Finance Your Home with Campus Credit Union?
Personalized Home Loan Guidance
Buying or refinancing a home can feel overwhelming. Our lending specialists take the time to explain your options and answer your questions so you can move forward with confidence.
Local Lending Decisions
Our lending team understands the Wichita housing market and is committed to helping local members achieve their homeownership goals.
Competitive Home Financing
We offer competitive home financing options designed to balance today’s affordability with your long-term financial plans.
Support Beyond Closing
Our relationship doesn’t end when your loan closes. Campus Credit Union is here to support your financial journey long after you’ve moved in.
Need Help Choosing?
Not sure which home financing solution is right for you?
We’ll explain how Mortgage Loans and Home Equity Loans work, answer your questions, and help you choose the financing solution that best fits your goals, timeline, and budget.
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Frequently Asked Questions
What's the difference between a Mortgage Loan and a Home Equity Loan?
A Mortgage Loan helps you purchase or refinance a home. A Home Equity Loan allows you to borrow against the equity you’ve built in a home you already own. Review the Mortgage Loans and Home Equity Loan sections above, or talk with a Home Loan Specialist if you’d like personalized guidance.
Can I refinance my current mortgage?
Yes. Refinancing may help lower your monthly payment, shorten your loan term, or better align your mortgage with your current financial goals. Learn more by talking with a Home Loan Specialist.
How much can I borrow?
The amount you may qualify for depends on factors such as income, credit history, available equity, and the property being financed. Our Home Loan Specialists can help you understand your financing options. You can also estimate payments using our Loan Calculators.
What affects my interest rate?
Mortgage rates are influenced by several factors, including market conditions, your credit history, the type of loan you choose, your down payment, and other financial qualifications. View our current Loan Rates to learn more.
Can I apply online?
Many home loan applications can be started online, or you can work directly with one of our Home Loan Specialists for personalized assistance. Apply for a Home Loan online or talk with a Home Loan Specialist.
Do I need to be a member?
Membership is generally required before your loan can be finalized. Learn more about Membership Eligibility & Benefits.
Ready to Finance Your Home Goals?
Whether you're buying your first home, refinancing your current mortgage, or putting your home's equity to work, Campus Credit Union is here to help you choose the home financing solution that's right for you.