Flexible Home Loan Terms
From starter homes to forever homes, we're here to help you find the right term for your home loan. We offer a variety of home loan terms up to 30 years* to ensure your new home fits your budget.
Escrow Your Way
Whether you prefer managing your home loan escrow and insurance yourself or perfer it built in to your monthly payment**, we want your home loan to fit your lifestyle.
Loan Rates that Fit You
Home loan rates are still at historic lows. There's never been a better time to refinance to a lower rate and benefit from the equity in your home. Or, if you're in the buying market, we're ready to get you pre-approved for your home loan so you can start your house hunting.
Our members are talking
I absolutely love Radiant Credit Union, they are so customer oriented. I have such pleasant interactions with staff each and every visit. I have had the opportunity to work closely with Mia and Marcy. Mia assisted me in opening a new account, and Marcy assisted with a new auto loan. They were both so accommodating and patient. I was always well informed about every step.
Aaliyah G L.
*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. For example, a standard 30-year home loan at 3.375% would have a payment of $442.10 per $100,000 borrowed. Private mortgage insurance (PMI) required for LTV greater than 80%. Loans also available for Land Only, Investment Property, and Second Homes. Contact Radiant Credit Union for more details on available options and terms. **Escrow included with monthly payment for mortgage loans with LTV greater than 80%.