We provide a variety of home loan products to meet your needs, whether it is a First Mortgage Loan, Second Mortgage Loan, or a Home Equity Line of Credit we can help. We want to be your one stop shop for mortgages.

NMLS # 404971


First Mortgages

To contact our mortgage loan officer or have her contact you, click here.

Purchasing or refinancing a home is an important decision. The Credit Union can help you make the right one. You have questions on rates, payments, terms, programs costs and we have answers. Let us help you save money and feel confident that you are getting the best deal. To help give you more first mortgage options and added convenience, we have a partnership with My CU Mortgage. to start your home loan application..


Contact us at 937-228-1614 to get started on your purchase or to see if NOW may be the right time to refinance!

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Second Mortgage/Home Equity Line of Credit (HELOC)

You can use the equity in your house to help you with almost anything. Whether it be a home improvement project, tuition or to pay off higher interest loans, we can help make it happen. Choose from a closed end fixed rate option for a fixed loan amount (Second Mortgage) or a variable rate line of credit option that allows you to access the equity in your home again and again (Home Equity Line of Credit or HELOC).

Second Mortgage Rates Apply for a Loan Calculators

NO CLOSING COSTS on variable rate HELOCs and Five year fixed second mortgages!

April 15-May 31st!

*Home Equity Line of Credit (HELOC)- APR=Annual Percentage Rate. Rate as low as 5.5% based on prime, credit and 80% Loan To Value (LTV). Your individual rate will be based on credit, prime and LTV. The annual percentage rate may vary. Maximum rate is 18% APR. Prime is determined on the first day of the last month before a new quarter begins. The prime rate as of April 1, 2019 was 5.5%. Finance charges accrue as soon as an advance is taken. Minimum payment is based on a 120 month repayment; payments may change based on advances and/or rate changes. Minimum payment is $50 per month. Minimum HELOC is $5,000. Maximum HELOC is $100,000. Limits are based on LTV and owner occupied status. Up to 100% LTV is available based on credit, value and owner occupied status. Home value will be determined by the credit union using an approved valuation method. Draw period is 5 years with account review to determine extension. Offer good for qualified borrowers only. Home owners insurance is required on all Home Equity Line of Credit Loans. No closing costs special is good starting April 15th through May 31st, 2019 or at FFCOCU's discretion. See credit union for details. Closing costs can range anywhere from $75-$550.

**Second Mortgage-APR= Annual Percentage Rate. Rates as low as 5.5% APR based on credit and a five year term. Only fixed rate closed end Second Mortgage that have a five year term are eligible for the No closing costs special. As low as 5.50% APR based on 60 month term. For a $20,000 loan amount for 60 months with a 5.50% APR, the monthly payment would be $382.10. Other rates and terms available. Minimum Second Mortgage is $5,000. Maximum Second Mortgage is $150,000. Limits are based on LTV and owner occupied status. Rates are subject to change. Home owners Insurance is required on all Second Mortgages. No closing costs offer is good starting April 15th and is good through May 31st, 2019 or at FFCOCU's discretion. See credit union for details. Closing costs can range anywhere from $75-$550.