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Home Loans

Live somewhere that inspires you

Buy a house you love or improve your current home.

  • family reading a book in their bright happy home

    • Buy or Refinance

      It's more than walls and a roof.

      As Low As 5.50 (5.99) % APR*
      Get Started

    • Use Your Equity

      Use the value in your home.

      As Low As 8.75 % APR*
      Get Started

    • Home Improvement

      Your space matters. Make it better.

      As Low As 9.99 % APR*
      Get Started

    Why Elevate

    More than a home

    We know that a house is a home, but it’s also so much more… It’s the launchpad where you wake up and get your day started, the cozy hideout where you relax and unwind, and the relationship hub where friends and family come together. We have financing options for whatever you need whether you are a first-time homebuyer, purchasing your dream home, refinancing, or opening a Home Equity Line of Credit. Meet our mortgage team and start discussing all your options today!

    father playfully tossing child on bed
    Home loans for every family
    family house summer
    • A wide variety of rates and terms
    • Unbeatable service
    • Extensive home loan choices, including FHA, Conventional and USDA Rural Housing loans
    couple getting keys to new home

    Talk houses with smart friends

    Get a little help from some talented, intelligent mortgage loan specialists. We’d love to schedule a meeting to talk about buying, refinancing or improvement loans.

    Contact Us

    We recently bought our first home and Melissa made the mortgage process so easy. Not to mention we were in our new home much sooner than we expected. Thank you Elevate Credit Union!

    Tiffany, Member since 2007

    Elevate Credit Union was super helpful in helping me refinance my mortgage at a much lower rate. You would have a hard time finding more helpful and friendlier folks anywhere.

    Cameron, Member since 2009

    Katie was great to work with and made it very easy for us. She was always very prompt at answering our questions and made us feel like we were the only one's she was helping. We will never go anywhere else for our loans in the future.

    Jeff & Natalie, Members since 2002

    Melissa has outstanding communication and immediately helped us in record timing! She's extremely knowledgeable and explained everything with ease, and most importantly, she listened to our needs and found a solution! 10/10 service.

    Samantha K.

  • Mortgage Loan Rates

    Mortgages & HELOCRateAPR As Low As*
    5-Year Mortgage ⓘUp to 80% LTVFixed5.50%5.99%
    10-Year Mortgage ⓘUp to 80% LTVFixed6.00% 6.26%
    15-Year Mortgage ⓘUp to 80% LTVFixed6.75%6.94%
    20-Year Mortgage ⓘUp to 80% LTVFixed w/ 10 Year Call6.75%6.94%
    30-Year Mortgage ⓘUp to 80% LTVFixed w/ 10 Year Call6.75%6.93%
    10-Year NO FEE Mortgage ⓘUp to 65% LTVFixed6.75%6.75%
    15-Year NO FEE Mortgage ⓘUp to 65% LTVFixed7.50%7.50%
    20-Year NO FEE Mortgage ⓘUp to 65% LTVFixed w/10-Year Call7.25%7.25%
    30-Year NO FEE Mortgage ⓘUp to 65% LTVFixed w/10-Year Call7.25%7.25%
    10-Year Second Mortgage ⓘUp to 80% LTVFixed7.25%7.43%
    Home Equity Line of Credit ⓘUp to 80% LTVVariable8.75% 8.75%

    Check with your tax advisor for details about using interest as a tax deduction

    *Terms & Conditions: APR = annual percentage rate | Loans based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details.

  • Mortgage Payment
    Property Tax: 167
    Homeowners Insurance: 100
    HOA Fee: 0
    Mortgage Insurance: 167
    Mortgage Amount
    $
    $
    Fixed Rate
    %
    Term Years
    Advanced Options
    Apply Now

    This calculation represents an estimate.

  • Frequently Asked Questions

    • Home Improvement Loans can cover almost any kind of repair or improvement, including traditional repairs, energy efficient appliances, solar heating, and even landscaping. You can borrow up to $7500 with this loan.
    • Both loans let you use your home's value to borrow money. With a Home Equity Loan, you'll get all the cash you borrow right away, just like most other loans. A Line of Credit, on the other hand, approves you for a certain amount and then lets you borrow from it as needed. With this option, you'll only pay interest on what you actually borrow. It's a great choice if you are working on an ongoing project. At Elevate, we offer both types of loans, so you can pick what's best for you.

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    Call or Text (435) 723.3437
Disclosures
*Terms & Conditions – APR = annual percentage rate | Loans based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details or if you have questions.