Mortgage Options to Get You Home

Like a home, mortgages aren’t one size fits all. We have different options to fit your goals and budget, and a friendly team of experts to walk you through it. We'll help you find the perfect loan for your home, whether that's a conventional fixed-rate mortgage or an adjustable-rate mortgage. 

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

  • Competitive interest rates and fees
  • Flexible terms and down payments
  • Quick pre-approvals for better purchasing power
  • Friendly experts to guide you through the approval and closing process

Mortgage Options

Conventional 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. We're on your side from application and house hunting to closing day on your new home. We have years of experience and know the real estate industry inside and out. Get started by calling 484-223-4216.

Mortgage Rates

Contact the Lending Team for current available rates at 484-223-4216.

The First Step in Home Buying

There are apps and websites galore to browse real estate listings, but how do you actually get started when you’re serious about buying a home? 

Step 1: Figure out Your Budget

Get a clear picture of your finances by looking at your budget to determine how much you can afford for a down payment and monthly mortgage payments. Our blog post and budgeting worksheet will help you figure out what’s comfortable for your wallet.

Step 2: Get Pre-Approved

Get your pre-approval before reaching out to realtors. This document shows agents and sellers that you're a serious buyer and gives you confidence in your budget and purchasing power. To start your pre-approval, you’ll complete an application online or over the phone. We’ll pull your credit, ask any necessary follow-up questions, and send out your conditional pre-approval letter to you.

Step 3: Start Shopping

Partner up with a real estate agent and start looking at houses. Keep your lender updated on any developments in your search so we can make sure your paperwork keeps pace. When you're ready to finalize an offer, we’ll lock in your terms and guide you through the closing process.

Ready for your pre-approval?

Give us a call at 484-223-4216 to get the paperwork rolling.

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Pay Your GOLD Mortgage

GOLD mortgage servicing partners are listed below. Use the link for your servicer to pay your GOLD mortgage online.

PHH Mortgage

Pay Online

CU Members Mortgage

Pay Online

Member First Mortgage 

Pay Online

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Resources

Budgeting to Buy a Home

The best way to figure out what you can afford is to take the time to really dig into your spending. This blog post and budget worksheet walk you through it. 

When and How to Refinance 

When does it make sense to refinance, what is the process, and are there other options? We broke down everything refinancing on the blog to help you make informed choices.

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

Give us a call at 484-223-4216 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
Call the Lending Team
APR = Annual Percentage Rate. Not all applicants will qualify for approval, based on credit review and collateral evaluation. Contact GOLD Credit Union for full terms, conditions, and costs associated.

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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