Make your dream home a reality

To us it’s more than just a mortgage, it’s getting you in your dream home.

 

Whether you’ve got your eye on a particular piece of property or just beginning your search, your credit union is a good place to start. It’s best to get pre-approved before you shop or land the best rate once you find the home of your dreams. You’ll find plenty of options in our Online Mortgage Loan Center.

The Online Mortgage Loan Center is located via Online Banking. It is a great place to find:

  • Information about purchasing or refinancing a home
  • The latest mortgage rates
  • The online forms you need to complete a full application

Purchase your perfect home.

Buy, refinance or remodel . . . we make home loans easy.

Learn More

  • Preferred lender of John Deere Relocation
  • Pre-Qualification available
  • On-time closing
  • In-house processing and underwriting
  • Deere preferred relocation specialist
  • Updates throughout your loan process
  • First time homebuyer 3% down program, which can be entirely from gift funds
  • Competitive rates and fees
  • Personalized experience
  • Same day approvals
  • Credit guidance
  • Reduced mortgage insurance
  • No obligation consultation with a DECU mortgage expert

Refinance your current mortgage.

Learn More

  • Competitive rates and fees
  • Personalized options and experience
  • Potentially lower your monthly mortgage payment
  • Pay off your mortgage faster
  • Consolidate debt
  • Same day approvals
  • In-house processing and underwriting
  • Extend loan terms
  • No obligation consultation with DECU mortgage expert
  • Credit guidance
  • Reduced mortgage insurance

Build your dream home.

Start from the ground up with a construction/lot loan.

Learn More

  • Construction loans are available in Illinois, Iowa and other select states
  • Land purchase up to 70 percent of the appraised value or purchase price
  • Various construction loan terms, including short-term one year loans that can be refinanced as part of a conventional mortgage once construction is complete
  • For full disclosures and for payment examples, please contact a Mortgage Loan Officer.

Meet our Mortgage Team

Jake Dawson DECU Mortgage Loan Officer

Jake Dawson

Mortgage Loan Originator
NMLS: 400489 • More info

Laura Laxy Mortgage Loan Officer

Laura Laxy

Mortgage Loan Originator
NMLS: 27873 • More info

Maggie Pavano AVP Mortgage Sales

Maggie Pavano

AVP, Mortgage Sales
NMLS: 804907 • More info

Rick Bormann DECU Mortgage Loan Officer

Rick Bormann

Mortgage Loan Originator
NMLS: 4001275 • More info

Tyler Brockman DECU Mortgage Loan Officer

Tyler Brockman

Mortgage Loan Originator
NMLS: 921037 • More info

Use these calculators to decide what savings account is best for you.

Homebuyer Resources

Recommended Reading

Five First Time Home Buyer Tips

Buying a home can be nerve-racking, especially for a first-time home buyer. These tips can help you navigate the process and avoid common mistakes. 1. Start saving for a down payment early It’s common to shoot for 20% down but many lenders allow much less, and for first-time home buyers, some programs allow as little […]

How to Build a Credit Score as a College Student

A FICO credit score is built upon several different categories. By knowing what a FICO score is, you can best figure out how to build your credit score quickly. One quick method involves someone with an established credit line being willing to authorize a new-to-credit person be added to already-established credit cards. If this simple […]

How to Save and Manage Money as a College Student

As a recent college graduate, I’ve learned countless ways to save and manage my money over the four years. For most, college is a great learning experience where students have very little income and lots of expenses all while having to build their financial foundation. There is no better time to practice good money habits than during this exciting and formative period in life.

How to Pay Off Debt Faster with These 3 Refinancing Strategies

Many homeowners don’t know they have an option to refinance their mortgage or a loan to pay off debt faster. Even if a mortgage term has been agreed upon and signed, homeowners can opt for changes before the contract is completed. Many are taking advantage of these three refinancing strategies to pay off their debts faster.