Home Loans

Start Your Home Loan Journey

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HomeAdvantage®

Find a home with a trusted agent and earn $1,989 in cash rewards along the way!

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Buying Your Home

Start the home buying process with confidence and make your dream of homeownership a reality.

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Home Ownership

Take advantage of Credit Union products and services for your current home and beyond.

Find The Perfect Loan For You

Great choice for first-time homebuyers.

SmartBuyer™

Make a smart move and own a home with relaxed qualifications and little money down.


Adjustable Rate

Enjoy a low initial rate that adjusts with the market.




Fixed-Rate

Get peace of mind with predictable monthly payments.



Home Equity

Use your home's equity for quick access to cash when you need it.



HomeAdvantage®

Partner with a trusted real estate agent
and earn $1,989* in cash rewards at closing!

Learn More
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Looking for more information? We'd love to hear from you.

Our dedicated home loan experts are here for you every step of the way.
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Find a Location

Meet a Home Loan Specialist at your nearest service center.

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Home Loan Resources

Check out relevant articles, calculators, videos and more.

  • Disclosure

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    HomeAdvantage® program is made available to you through a relationship between BCU and HomeAdvantage®. Program Cash Rewards are awarded by HomeAdvantage® to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage® is a registered trademark of HomeAdvantage®

    *Average cash rewards calculated based on 495 home closings with a real estate agent in the HomeAdvantage network of approved agents between 1/1/2021 and 12/31/2021.

     

    **All loan applications are subject to a full underwrite and require verification of income, assets, employment and rental history if applicable. All loans are also subject to final credit approval, which includes verification of application information and receipt of collateral documents. This offer applies to owner-occupied residential properties only. (Single family homes, condos and townhomes). To qualify, you must demonstrate that you haven’t owned a home in the last three years. Loan not available in Puerto Rico.

     

    1APR is subject to change without notice. APR is shown assumes a purchase transaction of a single family detached, primary residence in Illinois; a loan-to-value ratio of 80% or less; a minimum credit score of 740; a loan amount of $240,000 and a 45-day rate lock period. APR shown assumed an estimated $2,801 in prepaid finance charges.


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    2To be eligible for the corporate affinity pricing rate discount, you must be a current employee at a participating BCU company partner. You may need to provide proof of employment or affiliation. For first mortgage purchase and refinance transactions of a primary residence, the maximum corporate affinity pricing rate discount is 0.125% off current BCU published rates. Corporate affinity pricing rate discount and relationship pricing rate discount may be eligible to be combined. Corporate affinity pricing rate discount may not be combined with any Relocation Services program benefits, or any other home loan promotional offers. Certain mortgage types and/or terms may not be eligible for the stated rate discount. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.

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