Mortgage & Home Loans


Do you aspire to be a homeowner? Are you a homeowner with an interest in lowering your monthly payment, or trying to leverage your home to help meet other financial goals? Inspire FCU offers solutions to all of your home buying needs. From first time home buyers, to those ready to downsize – Inspire has the perfect mortgage to meet your needs, while creating a great home buying experience.

Let Inspire help make your first purchase, or refinance your current mortgage – our expert inhouse mortgage specialist is always available to answer your important questions.

Type of Mortgage
Description
Details
home and dollar sign

Federal Housing Authority Loans
FHA

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An ideal option for the first-time home buyer. An FHA loan provides a lower down payment option, typically starting at 3.5% of the purchase price.

  • Minimal Down Payment
  • Option to use gift money
  • Sellers assist for closing
  • Primary residence only

home and dollar sign

Conventional Fixed Rate Loan

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A perfect option for buyers who prefer a fixed mortgage payment, and ability to provide a down payment of at least 20% of the purchase price.

  • Fixed rate Loan
  • 15-30 year terms
  • Primary, second home or investment properties
  • Establish equity quicker

home and dollar sign

Adjustable Rate Mortgage Loan
ARM

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Terms of this loan are similar to the conventional loan, except your rate is not fixed and will adjust throughout the term of your loan depending on market rates.

  • Adjustable rate loan
  • 15-30 year terms
  • Primary, second home or investment properties
  • Establish equity quicker

home and dollar sign

Veteran Affairs Loan
VA

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Fixed rate loan that is available to eligible members of the armed services. This loan is backed by the Department of Veteran Affairs. Available option for 100% financing, eliminating a down payment.

  • Fixed rate Loan
  • 15-30 year terms
  • Primary, second home or investment properties
  • Little to no down payment options available

 
 

Take advantage of our Home Buying Resources!

9 Steps of Homebuying | Do’s and Don’ts of the Mortgage Process | First Time Home Buyers Guide

Turn those rent payments into equity in your own home — something you can build a financial future on. We offer different mortgage options for different needs, as well as competitive, low rates. Our in-house lenders will work to make sure you get into the home of your dreams without all the hassles. Whether you are buying, building or refinancing your home, there is no doubt that you will have questions. Fortunately, Inspire is here to help. Our mortgage professional is available to answer all of your questions regarding your mortgage options. 

 

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