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Home Loans

30-Year Fixed Home Loan as Low As 5.99% APR*

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Special 5.99% APR* available for:

  • Borrowers with 720+ credit score

  • New Home Purchases

  • One-Time Close Construction Loans

  • Mortgage Refinancing (of a Non-Radiant Mortgage)

  • 1st Mortgage Primary Residence

Radiant’s team of Home Loan professionals are ready to help you find the right financing option for your next step. From your first starter home to a home with a big back yard to a comfortable downsizing, Radiant home loans offer:

  • Easy online application and processing
  • Interest rate locks
  • Fast Loan Decisions

Disclosures

*As low as 5.99% Annual Percentage Rate (APR) for a 30-year fixed-rate, first-lien mortgage loan, 80% loan-to-value. Available to qualified borrowers with a minimum 720 credit score for a primary residence. Applications must be received October 1–31, 2026, and close within 90 days of application receipt. Subject to credit approval, collateral, and underwriting requirements. The advertised rate and promotional terms are not guaranteed until the loan is rate-locked in accordance with Radiant Credit Union’s rate-lock procedures. Eligible transactions include purchase loans (1st Lien), one-time-close construction-to-permanent loans (1st Lien), and refinances of mortgage loans (1st Lien) not currently held by Radiant Credit Union. For qualifying One-Time Close construction-to-permanent loans, Radiant Credit Union will waive its 1.00% origination fee. Other closing costs, prepaid items, escrow deposits, and third-party fees may apply. Interest rate buydown programs are unavailable with this offer. Payment example: A $300,000.00 mortgage purchase loan for 30 years at a rate of 5.90% results in a 5.99% APR and an estimated monthly principal and interest payment of $1,779.41. Payment quoted does not include escrows for property taxes and insurance premiums. If required to escrow for taxes and insurance, the monthly payment amount will be higher. Membership eligibility required. NMLS ID 408361 

Home Loans

Buying a home is about so much more than a mortgage - so we're committed to making your home loan process easier than choosing your kitchen countertops. Our experts can help match you with the best home loan to your needs.

Whether you're buying your first home, buying land for a future home, or looking to upgrade your current home, we can get your started and be with you every step of the way. From pre-approval to closing, our local team can get you the quick decisions you need to get the home you're dreaming of and to close on your timeline. 

Couple reviewing details of a home before purchasing, carefully inspecting the space to prepare for their upcoming investment.

Mortgage Refinancing

Refinancing your mortgage can lower your rate, lower your monthly payment, or allow you to benefit from the equity in your home.

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First time homeowners outside their new home financed by Radiant Credit Union

Purchase First Mortgage

Unlock the door to your dream home. Fixed-rate, long and short-term primary residence mortgages are designed to suit you.

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Couple walking on beams on unfinished new home

Construction Loans

Build your dream home with a construction loan that combines your building costs and permanent mortgage into one convenient loan and closing.

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Family standing on their new property financed through a Radiant Credit Union land loan, taking the first step toward their dream home.

Land Loans

Land loans can be used to finance the purchase of land or a lot where you're looking to build your new home.

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Couple admiring home improvements made possible by a HELOC from Radiant Credit Union

Home Equity Line of Credit

Our HELOC lets you access the equity in your home to draw and pay back as needed for remodeling or other large expenses.

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Family enjoying their new vacation home made possible with financing from Radiant Credit Union, building their financial future.

Vacation or Second Home Loan

Perfect for buying your second home. We're ready to help you enjoy.

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Couple reviewing refinancing contracts through Radiant Credit Union

Purchase or Refinance Second Mortgage

Leverage the equity in your house with a one-time loan to get the funds you need for important fixes, upgrades, or other financial goals.

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Couple paying their monthly mortgage through Radiant eBanking

Pay My Mortgage

 

Pay my mortgage
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Mortgage Blogs

Topics covered include mortgage basics, how your credit score affects your mortgage rate, land loan considerations, and more!

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Teamwork at Radiant Credit Union making new homes possible for everyone

Meet Our Mortgage Team

Our team of local, dedicated staff is ready to help you get started.

Contact Us

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

 
Holly
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“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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