Radiant offers flexible loan options to fit your needs. From Traditional Mortgages and Vacation Home Loans to Land Only Loans and Home Equity Loans – our great rates will help you get started on your next steps.*
Still deciding on your next home? Be sure to get pre-approved for your new loan to make buying even easier.
Offer of a 0.50% interest rate discount is available for new mortgage purchase applications received between October 1, 2025, and October 31, 2025. As of September 30, 2025, the standard 30-year fixed-rate mortgage was 6.125% based on a conventional loan with 80% financing. For example, a $300,000 home purchase with a 20% downpayment results in financing $240,000. Applying the 0.50% discount to the standard rate of 6.125% reduces the rate to 5.625%, with an estimated monthly principal and interest payment of $1,381.58. The Annual Percentage Rate (APR) for this example is 5.74%. The APR is provided for example purposes only and may differ depending on actual fees. 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 your credit profile, loan term, property type, and downpayment. Membership eligibility required. Must be a member to borrow. Radiant Credit Union is federally insured by the NCUA. Equal Opportunity Lender. 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 you 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.
Apply Now Mortgage Home Equity Line of Credit
PURCHASE
FIRST MORTGAGE
Unlock the door to your dream home. Fixed-rate, long and short-term primary residence mortgages are designed to suit you.
MORTGAGE
REFINANCING
Refinancing your mortgage can lower your rate, lower your monthly payment, or allow you to benefit from the equity in your 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.
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.
VACATION OR SECOND HOME LOAN
Perfect for buying your 2nd home. We’re ready to help you enjoy.
PURCHASE OR REFI
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.
