Mortgage Special

Reduce your mortgage rate and term with our Breakaway Mortgage special

2.99% APR for a 10 year mortgage* is a great option if you have some equity and are looking to:

  • Reduce interest rate
  • Move from a variable rate product to a fixed rate mortgage
  • Combine first and second mortgages into one loan with one easy payment
  • Pay off your mortgage in 10 years or less

Mortgage loan details

  • This loan must be established as a first mortgage (Second Mortgage is not available with this rate and term)
  • Minimum credit score is 680 to obtain this mortgage special
  • Borrower pays closing costs up to $995 with appraisal, $595 without an appraisal
  • This is a limited time offer and PCU may discontinue at any time so act fast


*2.94% fixed rate, 2.99% Annual Percentage Rate (APR) is available for terms up to 10-years with loan-to-value of 80% or less. Maximum loan amount $417,000. A minimum credit score of 680 is required to obtain this rate. Loan payment example: on a $50,000 loan for 120-months at 2.99% APR, monthly payments would equal $481.42. Closing costs vary by state. The average cost is $500 but will not exceed $995 if appraisal is requested^. Payments do not include amounts for taxes and insurance premiums. Offer is subject to normal credit qualifications. Rate is subject to change. Property insurance is required. Consult your tax advisor regarding deductibility of interest.

Mortgage-Apply-now

Small-ad Mortgage-Loan-Advisor

 

Real Estate Center

Start and end your home search at Postal Credit Union

homeadvantagesmall

 

 

PCU is excited to bring you HomeAdvantage, an exclusive, free member service that can help you search, buy, sell and save on your next home. Powered by CU Realty Services, HomeAdvantage gives you the tools and expertise you need to find and finance your home while savings you time and money in the process.

Benefits of the HomeAdvantage program:

  • One place for all things real estate. Save time and money with no-hassle
  • HomeAdvantage rebate program – earn cash back at closing
  • Exclusive agent network – find a qualified, trusted Real Estate Agent professional
  • Online home search. Find the house you're looking for
  • Research neighborhoods with access to demographics including weather, schools, crime rates, etc.
  • Access to valuable resources and member support 7 days a week

HomeAdvantage resources

Start-your-home-search  Start your home search  Contact-a-Mortgage-Advisor Find a Realtor  Home-Rebate  Home Rebate Program
 Get-a-mortgage  Apply for a Mortgage Calculate-payments-and-tools

Check mortgage rates &
calculate payments

 PCU-Title  Learn more about
mortgage financing

Buy or sell a home

Mortgage checklist

Mortgage Pre-Qualification Checklist

Getting pre-qualified is fast and easy. Here’s what PCU Mortgage needs from you:

  • Applicant name(s) & current address for each applicant
  • Social Security Number(s)
  • Authorization to request each applicant’s credit report
  • A preliminary review of your credit report will help us decide what mortgage financing options are available for you

Mortgage Pre-Approval Checklist

Whether you’ve been pre-qualified with PCU Mortgage or not, you can ask to get pre-approved at any time. If we’ve pre-qualified you in the last 30 days, we already have your credit report information.

Complete a full mortgage loan application in our Mortgage Web Center.
After we receive this, we will provide you with all required application disclosures including a Good Faith Estimate of costs. Once you have submitted your application, we will need to collect additional information, including:

  • Your residential address for the past two years, plus the name and address of all landlords during that time.
  • The name and address of all employers for the past two years.
  • Paycheck stubs from the last 30 days that show your year–to–date earnings.
  • Copies of your W–2 form for the past two years. If you are self–employed, earn commissions, overtime, or bonuses, please provide personal and/or corporate complete tax returns from the past year. A current profit-and-loss statement and balance sheet are needed for self–employed individuals.
  • Your original credit union/bank statements (all pages) from the two most recent months for all checking and savings accounts.
  • Statements from the past two months for CDs, IRAs, stocks, bonds and any other securities if you intend to use any of these assets for your down payment.
  • Information on any real estate you already own, including property address, current market value, mortgage lender's name and address, loan account number, balance and monthly payment.

This mortgage application checklist may not be all inclusive. Additional information may be required from you.

Loan approval is subject to credit approval and program guidelines. Interest rate and program terms are subject to change without notice. Mortgage products are offered by Postal Credit Union, MN.

Contact us

You can always contact us for further information on the mortgage application process and to find out about the wide variety of mortgage products offered by PCU Mortgage.

Mortgage Contact Us

Contact a PCU Mortgage Loan Advisor

Kathy Glashan PCU Mortgage Loan Advisor

Kathy Glashan

651.773.2817

This email address is being protected from spambots. You need JavaScript enabled to view it.

 

Kathy has been in the mortgage industry since 1989 and brings a wealth of knowledge and experience. Joining PCU’s team in 2009, Kathy is committed to helping each borrower find the best mortgage solution to meet their needs. Contact Kathy today!

 

 Lindsey-Power

Lindsey Power

651.773.2843

This email address is being protected from spambots. You need JavaScript enabled to view it.

 

Lindsey has worked for PCU since 2003 in a variety of roles including Cash & Member Service, lending, risk and mortgage. Lindsey is dedicated to providing outstanding service to PCU members during the mortgage process from beginning to end to ensure their real estate transaction is a success. Lindsey enjoys reading a good book, time at the cabin and her dog. Contact Lindsey today!

Contact PCU Mortgage

Office hours: Monday – Friday 9:00a.m. – 5:00 p.m.

Call: 651-747-HOME (4663) or 800-247-0857 ext. 4663

This email address is being protected from spambots. You need JavaScript enabled to view it.

Contact PCU Title

Office hours: Monday – Friday 9:00a.m. – 5:00 p.m.

Call 651-773-2830