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 Digital 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

Note:  If a first time application is being made, please select Create Account, following the onscreen prompts to enroll securely.  Your existing Digital Banking login credentials are not recognized by the mortgage application software.  

View all rates and disclosures >
3.49%
apr
As low as
30 Year Fixed
3.18%
apr
As low as
20 Year Fixed
2.77%
apr
As low as
15 Year Fixed
2.66%
apr
As low as
7/1 ARM 30 Year^
2.64%
apr
As low as
5/1 ARM 30 Year^

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.

Refinancing can save you money.

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.

Use these calculators to decide what home buying experience is for you.
Mortgage Calculators

Home Affordability
Time to Refinance?
Rent or Buy?
Compare Two Mortgage Loans
Annual Percentage Rate Calculator
See All Calculators

Meet our Mortgage Team

Maggie Pavano AVP Mortgage Sales

Maggie Pavano

AVP, Mortgage Sales
NMLS: 804907 • More info

APPLY WITH MAGGIE

Dan Schimanski

Mortgage Loan Originator
NMLS: 6043 • More info

APPLY WITH DAN
Jake Dawson DECU Mortgage Loan Officer

Jake Dawson

Mortgage Loan Originator
NMLS: 400489 • More info

APPLY WITH JAKE
Laura Laxy Mortgage Loan Officer

Laura Laxy

Mortgage Loan Originator
NMLS: 27873 • More info

APPLY WITH LAURA
Rick Bormann DECU Mortgage Loan Officer

Rick Bormann

Mortgage Loan Originator
NMLS: 4001275 • More info

APPLY WITH RICK
Tyler Brockman

Tyler Brockman

Mortgage Loan Originator
NMLS: 921037 • More info

APPLY WITH TYLER
Justin Klinkhammer

Justin Klinkhammer

Mortgage Loan Originator
NMLS: 243661 • More info

APPLY WITH JUSTIN
Jake Peterson

Jake Peterson

Mortgage Loan Originator
NMLS: 1949143 • More info

APPLY WITH JAKE

Note:  If a first time application is being made, please select Create Account, following the onscreen prompts to enroll securely.  Your existing Digital Banking login credentials are not recognized by the mortgage application software.  

Homebuyer Resources

Applicant checklist

Download this checklist to make sure you have everything you need.

Homebuyer's checklist

Use this list to compare the houses you’ve visited.

Mortgage application checklist

Have a smooth closing by gathering your paperwork.

Moving timeline

Plan and prepare for your move.

Recommended Reading

woman checking computer

Setting Financial Goals

Start the new year off on the right foot with a fresh look at your financial goals. Let January 1 be the first day that you put into place a brand-new set of achievable benchmarks to master your money, deal with your debt and improve your credit score.  Successful goal-keepers know that financial independence comes […]

Read more
email security prompt

Cyber Scams 101

What is a cyber scam? The FBI’s Internet Crime Complaint Center, or IC3, is the US government’s central public repository for all forms of internet fraud and published their 2020 annual report showing that cyber scams grew in size and scope while citizens were battling the pandemic. IC3 fielded nearly 800,000 complaints in 2020 and said Americans […]

Read more
man talking to doctor

The Health Savings Account

Most Americans who go broke annually do so because of medical debt, leading 530,000 families to file for bankruptcy every year. One reason for this is because health care in America can be extremely expensive, and health insurance coverage, even when offered through employment, is often woefully inadequate. Another reason is that Americans don’t often […]

Read more
couple talking on couch

Retirement Strategies

Retirement planning is an industry, and within this industry, there are experts. Experts in the retirement planning industry all see the bigger picture every day, according to the Transamerica Center for Retirement Studies, a non-profit research group.  They see that in 2021, 22 percent of Americans have less than $5K saved for retirement, and 15 […]

Read more