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Mortgages | CommunityAmerica Credit Union

We’re your trusted partner for buying or refinancing a home.

As the Official Mortgage Lender of the Kansas City Chiefs, we’re here to help you plant your roots in our community. That means providing you a competitive rate and a group of MVPs you can call your home team. Our mortgage folks include local lenders, local underwriters, and of course, local fans of the greatest team in the league.

Plus, a mortgage means a bigger potential Profit Payout1. In fact, the average Payout for our qualified mortgage holders was $301 in 2020.

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The advantages of refinancing your mortgage with us:

Lower your monthly payments

If mortgage interest rates are lower than when the home was originally financed, you could lower your monthly payments.  

Choose Adjustable or Fixed rate

Some homeowners prefer a Fixed Rate Mortgage for added stability. Interest rates fluctuate, so the thought of a competitive fixed rate is appealing. A fixed rate means fixed payments for the life of the loan and the peace of mind that accompanies that stability.

Other homeowners prefer an Adjustable Rate Mortgage (ARM), with (lower) rates being locked for a specified number of years. After that point, interest rates adjust periodically, based on the ARM term. Many of our ARMs are available with no Private Mortgage Insurance (PMI) and with 10% loan-to-value (LTV).

Change the term 

The term refers to the amount of time you’ll have to pay back the loan. Some people, for example, elect to refinance from a longer term to a shorter term to pay off their loan faster and save considerable money on the total interest over time.

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