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Purchase or refinance second mortgage

Great Terms. Flexible Funding. Peace of mind.

Purchase or Refinance Second Mortgage

Great Terms. Flexible Funding. Peace of Mind.

A fixed-rate second mortgage helps you access the equity in your home with a one-time loan to help you finance home repairs or upgrades, consolidate debt, help with college expenses, or plan the vacation of a lifetime.

You’ll have peace of mind knowing that our experts will help you get the most out of your home’s equity and make sure your payments meet your budget.

Radiant Second Mortgage Loans features:

  • Easy application and quick approval

  • Loan terms from 5 to 15 years

  • Loan amounts from $5,000 to $500,000

  • Primary residence only

  • We pay for closing costs on mortgages over $25,000

Mortgage Application Checklist

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*Subject to credit approval. Property insurance required; an appraisal, flood and/or title insurance may be required.  Must be a Radiant Credit Union member to borrow. Membership at RCU requires a savings account with a minimum balance of $5.00.  If Radiant Credit Union pays your closing costs and you pay off and close your line within 36 months, you must reimburse Radiant Credit Union in the amount of the fees paid by us.  Closing costs generally total between $0.00 and $2,500.00.

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
five stars
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