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Kellogg Community Credit Union
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home mortgage

Buying a home or property is one of the most important decisions you will make in a lifetime. We’ll help get you into your home faster or buy that special piece of land with a home mortgage or real estate loan from KCCU.

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why KCCU?

  • Personal service
  • Great rates
  • Generous terms
  • Fast approvals - all of our mortgage decisions are made in-house
  • Get pre-approved before you shop
  • Local servicing

flexible loan options

  • 10-year, 15-year, 20-year, and 30-year fixed-rate mortgages*
  • 5-year and 7-year balloon mortgages
  • Adjustable Rate Mortgages (ARMs)
  • Rate Drop mortgage
  • Condominium loans
  • Low down payment FHA loans
  • VA loans
  • Rural development loans
  • Vacant land loans
  • Construction loans
  • Jumbo mortgages

mortgage refinancing

You might want to consider your refinancing options, to help you achieve your financial goals. 

  • Reduce your monthly mortgage payments
  • Pay off your mortgage faster and save on interest
  • Increase the length of your mortgage for lower monthly payments
  • Change the terms of your adjustable rate mortgage to a fixed-rate mortgage
  • Get quick funds for home renovations, college tuition, debt consolidation, or other expenses by refinancing for a higher loan amount
  • Trade up to a better mortgage rate if your financial situation has improved since you originally financed your home


Please see our current rates for our up-to-date mortgage rates.

meet the mortgage team

Learn more about our Mortgage Originators

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"KCCU was there for me when I wanted to purchase my grandmother's house after she passed away. They were so helpful in getting me to a position where I could get the loan and ultimately purchase the house. I will be forever grateful."

– Teresa B.


 * Regular monthly payments will be determined based on the rate, term selected, and individual loan amount—for example for a 10 year mortgage, for each $1,000 borrowed, 120 monthly payments of $9.90 (starting at 1,000). Federally insured. Equal housing lender.