Home Mortgage Loans

A home is one of the largest purchases you'll likely ever make. Luckily, your neighbors at Financial One offer the tools and guidance to make the process go off without a hitch.

Whether you're buying, building, or refinancing, we offer competitive rates and repayment terms that are customized to your unique situation. Best yet, we handle all decision making locally, opening the door to a streamlined process, and to your new residence.

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Summary
  • Competitively low rates for the financing, refinancing, or construction of your home
  • Available for primary residences, second homes, vacation homes, cabins, mobile homes, and investment properties
  • Flexibility when it comes to terms and repayment options
  • Simple, in-house refinancing and home equity loans available up to $100,000
  • Loan amounts over $100,000 available through our partnership with Cambria Mortgage brings our members a wide range of financing options and enhanced flexibility– learn more
  • Potentially lower your rate and payments without paying thousands in closing costs
  • Quick pre-approvals available to help you shop with confidence
  • No annual or prepayment fees
  • Local decision-making and processing
  • Helpful, member-first service throughout the entire process
Land & Cabin Loans
  • If you find the right lot, we'll help you find the right loan. Financial One can lend up to 90% of the appraised value or purchase price for your dream cabin or lot of land (within the state of Minnesota).
  • Competitively low rates to finance a cabin or undeveloped land in the state of Minnesota
  • Up to 90% of the appraised value or purchase price
  • Flexibility when it comes to terms and repayment options
  • Quick pre-approvals available to help you shop with confidence
  • Payment protection options available to safeguard your credit and collateral
  • Local decision-making and processing
  • Helpful, member-first service throughout the entire process

Additional Coverage

To provide you the best protection on your loan, we have worked hard to bring you options when you plan on borrowing with Financial One Credit Union.

Learn more about or sign up for Payment Protection with Credit Life and Credit Disability Insurance today.

Mobile Home Loans
  • Competitively low rates for the financing or refinancing of your mobile home
  • Refinancing from other lenders up to 80% of the NADA Retail Value
  • Special lending program that makes purchasing a mobile home much easier
  • Flexibility when it comes to terms and repayment options
  • Potentially lower your rate and payments without paying thousands in closing costs
  • Quick pre-approvals available to help you shop with confidence
  • Payment protection available to safeguard your credit and collateral
  • Local decision-making and processing
  • Helpful, member-first service throughout the entire process

Additional Coverage

To provide you the best protection on your loan, we have worked hard to bring you options when you plan on borrowing with Financial One Credit Union.

Learn more about or sign up for Payment Protection with Credit Life and Credit Disability Insurance today.