Home Loans

Whether you’re looking to buy, build or just add, Radiant has the right mortgage to fit your needs. Explore traditional home loans, one-time-close construction loans, land loans, and home equity options to make your home even better.

*Offer of a 0.50% interest rate discount is available for new residential mortgage loan applications received between April 1, 2026, and April 30, 2026, and subject to credit approval. The discount is applied to the standard interest rate for which the applicant qualifies. As of February 28, 2026, the standard 30-year fixed-rate mortgage was 6.125% based on a conventional loan with 80% loan-to-value. For illustrative purposes only, applying the 0.50% discount would result in a rate of 5.625%. For example, a $300,000 home purchase with a 20% down payment results in a loan amount of $240,000 and an estimated monthly principal and interest payment of $1,381.58. The Annual Percentage Rate (APR) for this example is 5.74% and is based on assumed fees; actual APR, rate, and payment may vary. Payment example excludes taxes and insurance; actual payment will be higher. Rates, terms, and conditions are subject to change without notice. Your actual rate and APR will depend on creditworthiness, loan program, term, property type, occupancy, and loan-to-value. Membership eligibility required. Radiant Credit Union is federally insured by the NCUA. Equal Housing Lender. NMLS ID 408361.