Home Mortgages

As a full service mortgage lender, we understand that buying or refinancing a home is a major financial decision. We also know that our members' needs are unique – that is why our experienced mortgage lenders will guide you with clear explanations and valuable tips to help you select a mortgage solution that’s right for you, your family and your budget.
 

Fixed Rate Mortgage

Planning to stay in your home for at least 10 years? A fixed rate mortgage may be the best option for you. The rate stays the same over the term of your loan and you can choose from traditional 10 to 30 year plans. Plus, make sure to ask us about our additional options for First Time Homeowners.

Adjustable Rate Mortgages (ARMS)

The average American gets a new mortgage once every five to seven years. Instead of paying a higher rate for 30 years, you may want to pay a lower rate for the shorter amount of time that you will actually live in your house or plan to keep your mortgage. Our Adjustable Rate Mortgages come with an initial fixed rate ranging from three to seven years depending on your needs.

Jumbo Mortgages

Jumbo loans are available and apply to mortgage amounts of approximately $424,100 or greater.

With whatever mortgage product you choose, you can always expect the following:

  • Great rates
  • Low closing costs
  • Fast approvals
  • Exceptional member service

To Apply for a Loan 24x7:
  • Call : (800) 369-6628
  • Click : Apply Now
  • Visit : 3M Center, Oakdale or Hutchinson

The Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending are available for review. The data shows geographic distribution of applications and loans; ethnicity, race, gender and income of applicants and borrowers; and information about loan approvals and denials. Inquire at our office regarding the locations where HMDA data may be inspected.

MEMBERS® Auto & Homeowners Insurance Program

You trust Novation to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto & Homeowners Insurance Program. The MEMBERS® Auto and Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members. Services include:

  • Access to convenient e-service where you can pay your bill, make changes to your policy and even report a claim.
  • Receive fast, easy access to claims service 24 hours a day.
  • Obtain a free, no-obligation quote.

Click here to start saving with the MEMBERS® Auto & Homeowners Insurance Program!

The MEMBERS® Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by Novation. 


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