Everything you need to finance your home

We know a home is more than just a house. It's where memories are made — and those are priceless. Picking the right mortgage type is a big decision — and GOLD is here to help. We'll help you find the perfect loan for your home, whether that's a conventional fixed-rate mortgage, an adjustable-rate mortgage, or the low down payment Jump-Start Mortgage.

Whether you’re buying a new home or refinancing your current one, GOLD Credit Union has the mortgage rates and products you need. All of our home loans feature:

  • Competitive interest rates and fees
  • Flexible terms and down payments
  • Quick pre-approvals for better purchasing power
  • Dedicated Mortgage Consultant guides you through the approval process


excited couple walks into their brand new home excited couple walks into their brand new home

Jump-Start Mortgage

GOLD's Jump-Start Mortgage is designed to get you home faster. 20% down is a hefty savings goal for many families, but the private mortgage insurance (PMI) that usually comes with a smaller down payment drives up your monthly payments. Our Jump-Start Mortgage requires just 10% down to avoid PMI.

Is 10% down still a stretch? We can lend you up to half of it is as a GOLD Personal Loan making your out of pocket down payment as low as 5%1

This isn't a program limited to first-time home buyers; it's for anyone dreaming of making that big move happen sooner. Sound like a good fit for you? Get in touch with our Mortgage Consultant and take the first step to make that dream come true: 1-800-641-5036.

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Conventional Mortgages

Fixed-Rate Mortgage: The traditional 20% down payment and slightly lower interest rate of our traditional fixed-rate mortgage will save you money on your home over the life of the loan. A fixed rate means your payments will stay the same for the life of your loan with no surprises.

Adjustable-Rate Mortgage (ARM): Our adjustable-rate mortgage starts with an interest rate that is lower than that of a fixed-rate mortgage; it's then adjusted periodically during the term of the loan. If you're looking to move again or refinance in a few years, then this loan may be the best fit.

Get pre-approved and start house hunting. Call 1-800-641-5036 and let our Mortgage Consultant walk you through the process.

Which mortgage is right for you?

Here at GOLD Credit Union, everything we do is designed to help you achieve your goals. From the loans and rates we offer to the personalized service we provide, we're with you every step of the way.

Whether you’re buying, refinancing, or building, our experienced Mortgage Consultant can help you get the home you want. We have years of experience and know the real estate industry inside and out. Call 1-800-641-5036 or email mortgages@GOLDcu.org to speak with one of our experts who can answer your questions and guide you toward the perfect home loan.


Current Rate Chart

Rates Effective 08/07/2020

Conventional Mortgage Rate APR2
30 Years 3.000% 3.060%
20 Years 2.875% 2.960%
15 Years 2.625% 2.734%
10 Years 2.500% 2.659%
10/1 ARM 2.500% 2.710%
Jump-Start Mortgage Rate APR2
30 Years 3.375% 3.436%
20 Years 3.250% 3.336%
15 Years 3.000% 3.110%
10 Years 2.875% 3.035%
1Not all applicants will qualify for approval, based on credit review. Interest rates are subject to change at any time without notice. Minimum down payment of 5% + 5% in form of a GOLD Personal Loan, subject to credit review. No PMI for down payment of 10% or greater. Borrowers with down payment less than 10% will be subject to PMI. Cash out refinances are not eligible for the Jump-Start mortgage. Credit union eligibility and Membership are required prior to opening a loan. Offer can be canceled or withdrawn at any time without notice. Other fees, terms, and conditions may apply. See credit union for details. Equal housing opportunity. Federally insured by the NCUA. 2 Not all applicants will qualify for approval, based on credit review and collateral evaluation. Rates as shown are for 0 discount points. Rates shown are subject to change at any time without notice. Conventional Mortgage APR is based on a $218,750 purchase price and $175,000 loan amount. Jump-Start Mortgage APR is based on a $218,750 purchase price and $196,875 loan amount. 10/1 ARM is a variable rate product and APR adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments. Contact Mortgage Consultant for full terms, conditions, and costs associated.
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We want to make your home-buying process as easy as possible

Check out our Mortgage FAQ for our top tips and resources for applying, purchasing, and owning.

We're here for you from pre-approval to close.

Call 1-800-641-5036 to get started.

All residential mortgage loan originators (MLOs) are nationally registered under a unique identifier. The unique identifier allows consumers to pull up employment history and any disciplinary and enforcement actions against MLOs in a publicly searchable online database. Click here to view the list of active GOLD MLOs

You are now leaving GOLD Credit Union's website. This site is provided with the sole intent of providing helpful and convenient information for our members. We recommend that you consult the privacy disclosure on all websites before continuing. GOLD Credit Union is not responsible for any content on any other website, and does not represent either the third party or you, the member, if you enter into a transaction.

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