Mortgage Loans
Mortgage Loans
Zeal Credit Union is committed to providing our members with the best home financing options. Together with our partners at Mortgage Center, we’re able to offer a variety of exclusive home loans with lower rates and fewer fees.
Mortgage Center has been providing world-class service to credit union members like you for over 30 years. With Mortgage Center, we have a dedicated team of experts to help you find the home loan that fits your situation – whether you’re a first-time home buyer, want to refinance into a better rate, or are looking to build your perfect home!
For a limited time, Zeal is offering a Rate Discount of 0.50%* off, PLUS, get up to $500 off closing costs for applications taken between now and May 31, 2025.
Purchase A Home
Mortgage Center has a home loan option to fit almost any situation. From flexible payment terms to low down-payment options, our team of experts will help you find the perfect mortgage. Apply now to start your home-buying journey!
REFINANCE YOUR HOME
Refinance and take advantage of the current low rates. You could lower your monthly payment, shorten the term of your mortgage, or use the equity you’ve built to take cash out of your home.For a limited time, Zeal is offering a Rate Discount of 0.50%* off, PLUS, get up to $500 off closing costs for applications taken between now and May 31, 2025.
Build A New Home
Mortgage Center’s unique One-Time Close Construction Loan gives you the ability to pay for the construction of the home you’ve always wanted!
Looking for a Home Equity Option? Visit our Home Equity Loan page for information on options, rates, and to apply.
Mortgages Loans
Ready to Get Started?
Call 800-353-4449 or apply online by clicking the button below.
For frequently asked questions, visit the Mortgage Center FAQ Page:
*Closing cost and 0.50% rate discount offer is available on purchase and refinance transactions. Member will save .50% off the rate and up to $500 off the current administration and underwriting fees on a closed home loan. Application must be taken between now through May 31st, 2025. Mortgage amount must be between $40,000 and $806,500 to be eligible. Borrowers are responsible for any third-party costs including but not limited to: title, tax certificate, and appraisal. Applicant must be or become a Zeal member and establish recurring direct deposits of your paycheck, pension, or government benefits (such as Social Security) prior to mortgage closing. Person-to-Person payments (such as Zelle®) are not considered a direct deposit for purposes of this offer. Direct deposit must be at least $400 per deposit. Mortgage rates current as of 04/21/2025, and assume a detached, owner-occupied property with a loan to value ratio of 75% and a credit score of 780. A loan amount of $225,000 at an interest rate of 6.5% and an APR of 6.633% has a payment of $1,422.15 with 0.0 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Offer applies to Conventional Residential First Mortgages financed with Mortgage Center and excludes mortgage loans under a 5.00% rate, FHA, VA and Home Equity Loans and Lines of Credit. Offer may not be combined with any other promotion or discount. The promotion has no cash value and is subject to change at any time. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Other restrictions may apply. Zeal Credit Union is Federally Insured by NCUA. Mortgage Center is an Equal Housing Lender, NMLS# 282701.
