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Mortgage Loans

Home Loans With a 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 new home or an empty nester looking for a more comfortable space, we’ll work with you to select the rate, down payment, and terms that meet 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

  • 30 year mortgage terms available

  • Down payments as low as 5% of purchase price*

  • Single family loan amounts up to $1,600,000

  • Primary residence only

Disclosures

*Standard mortgage amortization terms offered for 10, 15, 20, and 30-year owner-occupied property. Loan amounts available from $30,000 up to $1,000,000. For 15, 20, and 30-year terms, maximum Loan To Value (LTV) is 95% for purchase and limited cash out refinance, and 80% LTV for cash out refinance. For 10-year term, maximum 90% LTV for purchase or refinance. Escrow included with monthly payment and mortgage insurance required for mortgage loans with LTV greater than 80%. Radiant Credit Union is federally insured by the NCUA. Equal Housing Lender.

Close-up of a Radiant Credit Union mortgage application checklist being filled out to support long-term financial goals.

MORTGAGE APPLICATION CHECKLIST

Protective hands over a house model symbolizing reliable homeowners insurance that keeps your home and future secure.

HOMEOWNERS INSURANCE

If you change companies for your homeowners insurance please upload the new policy information.

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UNDERSTANDING ESCROW

Escrow accounts are used to pay property taxes, insurance, and other charges.

Questions? We've got your covered.

Happy Homeowners

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Our Members are Talking

“I had a wonderful experience with Radiant Credit Union! It’s rare to find a place where you genuinely feel valued as a member, but that’s exactly how I feel here. I truly appreciate all of you — thank you for consistently providing such excellent service!”

Ruthann
five stars

“We've been with Radiant Credit Union for years and have always been impressed with their friendly professionalism and efficiency." 

 
Holly
five stars

“It's always a pleasure working with Radiant. Everyone is so helpful and informative of possible solutions and opportunities that you may not even know about. I've been a member for many years and look forward to many more. I always feel and know that Radiant is in my corner!”

 
Jon
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