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.

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