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Mortgages & Home Equity

Mortgages

Apply for a Mortgage Apply for a Home Equity

Whether you are a first time home-owner, looking to re-finance and add-on, or simply want to talk about your options. The mortgage specialists at First Priority Credit Union are knowledgeable and ready to offer options for your financing needs.

Mortgage Loan Options:

  • Owner-occupied Properties
  • Conventional Loans
  • Jumbo Loans
  • FHA and Low Down Payment Loans
  • Investment Property Loans

The mortgage options listed above are just some of First Priority’s product offerings.  Check out Mortgage terms and rates today!

View Rates

How to start the process:

  • Call us for most up-to-date rates and programs.
  • Complete an On line Application using the icons at the top of this page.

Our Lenders

Gabriela Perry – Business Development Officer
NMLS# 2547280

Robert Rocklein – Senior Loan Officer
NMLS# 21946

First Priority Credit Union NMLS #780109

Must be member eligible at time of approval and be a member on the day of closing.

Home Equity

First Priority Credit Union can meet all of your home financing needs!

Our Home Equity Programs provide various options so that you can choose the line of credit or loan that will allow you to tap into the equity in your home while keeping your payments manageable.

Find the Equity Product that provides you the flexibility you need and control you want based on your individual goals.

Loan Type Minimum/Maximum Term Best Use
Home Equity Loan
Fixed Rate		 80% of home value
Min. $50,000- Max. $250,000		 15 years One time project with predicable costs
Home Equity Line of Credit
Variable rate – Prime – .50 %		 80% of home value
Min. $50,000- Max. $500,000		 20 years Cover any expense or
project with unpredictable costs

Current Rates and Payment Examples Apply Now

Must be member eligible at time of approval and be a member on the day of closing. 

Home Equity Line of Credit

The Annual Percentage Rate (APR) quoted is the lowest rate available as of February 10th, 2026.  Subject to credit approval.

Annual Percentage Rate (APR) is effective November 4th, 2025 and subject to change. Wall Street Journal Prime rate of 6.75% minus half a point = 6.25% APR. The corresponding APR will never be less than 4.00% or more than 16.00% per annum. 

Advertised rate available for lines of credit between $50,000 and $500,000 on 1 to 4 family owner occupied properties with a combined loan to value ratio (CLTV) of 80% or less as determined by a valuation acceptable to the lender. 

Hazard insurance is required. Flood insurance may be required. Closing costs are waived, however, if borrower terminates the agreement or a discharge is issued within 36 months from the date of agreement then the borrower will be responsible for the full amount of waived costs of between $1200.00. – $1350.00. Approval for all home equity products is subject to appraisal. Rates are subject to change without notice. Other restrictions may apply. 

Home Equity Loan

Minimum Loan amount of $50,000 applies to this loan. Hazard insurance is required. Flood insurance may be required. Other restrictions may apply.