Purchase First Mortgage
Home Loans With The Perfect Fit.
Our Mortgage Loan Experts will guide you through every step, so you’ll be home in no time! Whether you’re a first time home buyer looking to finance a starter home or a new empty nest, we’ll work with you to select the rate, down payment and term that meets your financial goals.
In a competitive market, Radiant will give you an edge with:
- 60-day rate lock
- Fast preapproval
- Easy online application and document uploads
- Loan terms between 10 and 30 years
- Down payments as low as 5% of purchase price*
- Single family loan amounts up to $1,000,000
- Primary residence only
HOMEOWNERS INSURANCE
If you change companies for your homeowners insurance please upload the new policy information.
UNDERSTANDING ESCROW
Escrow accounts are used to pay property taxes, insurance, and other charges.
Subject to credit approval. Property insurance required; an appraisal, flood and/or title insurance may be required. Must be a Radiant Credit Union member to borrow. Membership at RCU requires a savings account with a minimum balance of $5.00. Borrower making a down payment of less then 20% of purchase price will need mortgage insurance. If Radiant Credit Union pays your closing costs and you pay off and close your line within 36 months, you must reimburse Radiant Credit Union in the amount of the fees paid by us. Closing costs generally total between $0.00 and $2,500.00.
