Home Loans

• Lending
• Home Loans
  

Buying a home can be a scary, confusing and overwhelming experience. We've made the process easy with our Home Buying Assistance Service through Member Home Loan.

If you already have your mortgage loan with Energy Capital Credit Union, you can view it online here!

Mortgage
You are about to buy a home. Sure, it's scary, but we are here to help! You have the flexibility to choose the best term for your budget because we offer a variety of repayment options.  Have the security of knowing that your rate will not increase over time with our fixed rate mortgages. Because of our partnership with Member Home Loan, home buying has never been easier.

While this is not a comprehensive list, a few of the most common documents your lender will need when applying for a home are:

• Your most recent paycheck stub covering a 30 day period
• Your most recent year's W2
• A copy of your driver's license and social security card
• Two months worth of bank statements, covering a 60 day period (all pages) for all asset accounts
• The name and number of your homeowner's insurance agent
  

Click here to use CUNA's Anytime Advisor for Home Buying.

Homeowners Insurance
Everyone is concerned about protecting one of their biggest investments. That is why at Energy Capital, we aim to provide you with the tools you need to give you peace of mind. With the MEMBERS® Homeowners Insurance Program you can purchase affordable homeowners insurance to make you feel at ease. Click here for more information and to obtain a free homeowners insurance quote.

Home Equity
Use this loan to consolidate bills, finance home improvements, and just about anything else you can think of. Home Equity loans allow you to borrow up to 80% of the equity in your home. If you are a home owner and have 80% of equity that is equal to or greater than $10,000, this might be exactly what you need. More information and Home Equity FAQs.

Lightning Fast Home Improvement Loan
Energy Capital Credit Union's Lightning Fast Loan can help you make home repairs lightning fast! With this loan, you can apply today and get your money today. Less red tape equals money in your pocket faster.

Click here to view our most current loan rates.