Own where you belong

Mortgage Loans

Your next mortgage is better at Soarion Credit Union.

Questions? Contact Us

Low Rates

Competitive rates from your community Credit Union

Personalized Products

We have products for every need, from your first home to downsizing for retirement

Flexibility

We offer terms to fit your lifestyle and budget

Access to Discounted Insurance

Rest easy knowing you have found a great rate on home Insurance through TruStage®

Whether you’re buying your first home or making your next move, Soarion offers mortgage solutions built to support your journey. We’re here to help you rise into the home you want with the confidence you deserve.

Hand passing house keys to a new homeowner with a smiling couple in the background

SmartRate

When it comes to owning a home, no dream is too big or small. A SmartRate Mortgage from Soarion Credit Union gets you our lowest rate to save you on monthly payments.

15/20/25/30 Year Terms Available
Max Loan Amount: $832,500
Down payment requirement: Minimum 5%
Types of transactions: Purchase, Refinance, or Cash-Out Refinance

Apply Now

Spark

Your dream home is within reach. We help you get there. A Spark Mortgage from Soarion Credit Union offers increased affordability with 0% down and no Private Mortgage Insurance.

15/20/25/30 Year Terms Available
Max Loan Amount: $832,500
No down payment required
Types of transactions: Purchase

Apply Now

SmartRate

OUR LOWEST RATE

SmartRate

When it comes to owning a home, no dream is too big or small. A SmartRate Mortgage from Soarion Credit Union gets you our lowest rate to save you on monthly payments.

15/20/25/30 Year Terms Available
Max Loan Amount: $832,500
Down payment requirement: Minimum 5%
Types of transactions: Purchase, Refinance, or Cash-Out Refinance

Spark

100% FINANCING -NO PMI

Spark

Your dream home is within reach. We help you get there. A Spark Mortgage from Soarion Credit Union offers increased affordability with 0% down and no Private Mortgage Insurance.

15/20/25/30 Year Terms Available
Max Loan Amount: $832,500
No down payment required
Types of transactions: Purchase

Conventional

Best Fits Members Who: Are looking for a fixed Interest Rate and a Fixed Monthly Payment for the life of the loan
Down Payment Requirement: Minimum of 3%
for First Time Homebuyer or HomeReady®, otherwise 5%
Types Of Transactions: Purchase, Refinance and Cash Out Refinance

FHA

Best Fits Members Who: Are looking for a minimum downpayment, lighter credit restrictions and less restrictions on the down payment
Down Payment Requirement: Minimum of 3.5% required of Appraised value or Purchase Price, whichever is less
Types Of Transactions: Purchase, Refinance, Cash Out and Streamlines

Best Fits Members Who: Are looking for affordable financing, no down payment requirements and competitive rates and is a Veteran, Reservist or Surviving Spouse
Down Payment Requirement: No down payment required
Types Of Transactions: Purchase, Refinance, Cash Out adn IRRRL

USDA

Best Fits Members Who: Are looking for affordable financing, no down payment requirements, property is in an eligible area and income meets USDA eligibility
Down Payment Requirement: No down payment required
Types Of Transactions: Purchase and Streamline Refinance (USDA to USDA)

STAY UP TO DATE ON TODAY’S RATES OR CHECK YOUR APPLICATION STATUS

Home of Your Dreams? Let’s Make It Happen

Soarion has been lifting our members to new financial heights since 1952. Through our partnership with MyCUmortgage, we connect you with a Loan Officer with vast experience to help you navigate this process. Home shouldn’t be hard. We can help.

Connect with our loan officer

Shelbee Wagener

(937) 986-9350

swagener@mycumortgage.com

Ready to get started?

Additional Resources

Mortgage Calculator

Just getting started in the home buying process and want to get an idea of what your monthly payments could look like? Try out our Mortgage Calculator³ below.

Home Insurance

The TruStage® Home Insurance Program helps you protect your home – and everything in it – with coverage designed to be affordable for Soarion Credit Union members. Benefits⁴ include: Potential savings for Soarion Credit Union members, Discounts for multiple policies, 24/7 claims, even on holidays-many settled on the spot, Inflation protection-get today’s value for your belongings, and Temporary housing assistance when you need it. Get started with a free quote today.

GreenPath Financial Wellness

Want to understand more about home buying and how it fits into the larger picture of your financial health? Soarion members get complimentary access to GreenPath Financial Wellness, a trusted national nonprofit with more than 60-years of helping people build financial health and resiliency. Explore their LearningLab+ resources like Homebuying 101 and book a complimentary financial consultation session.

Make A Payment

Access the myCUmortgage portal to make a payment, review documents, and connect with support. You can also access all these services through Soarion Digital Banking.

Beat Inflation and Increase Your Earnings

With a High-Yield Savings Account from Soarion Credit Union, you will earn an incredible 3.00% APY⁵.   

Save up for a down payment, moving expenses, or just give yourself some breathing room for emergencies.

³Disclaimer. This financial calculator is provided as a free service for our users. The information supplied by this calculator is from sources and based on calculations that we believe to be reliable, but no guarantee, explicit or implied, is made regarding their accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes and are not intended to provide investment advice. Soarion Credit Union does not accept any liability for loss or damage whatsoever, which may be attributable to the reliance on and use of the calculator. Use of any calculator shall constitute acceptance of the terms of this agreement.

⁴TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and underwritten by leading insurance companies, including Liberty Mutual Insurance Company and affiliates, 175 Berkeley Street, Boston, MA. ©2022 Liberty Mutual Insurance. 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 laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

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⁵APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice. Fees may reduce the earnings on the account. Limit ONE (1) High Yield Savings Account per Member. Membership Required. Minimum $1,000 opening deposit required. Minimum $1,000 daily balance required to avoid $10 monthly service fee. Up to six (6) free withdrawals or transfers permitted each monthly statement cycle. Each additional withdrawal or transfer $10.

Mortgage Loans

Home of Your Dreams? Let’s Make It Happen

Additional Resources

Mortgage Calculator

Home Insurance

GreenPath Financial Wellness

Make A Payment

Get Started

You will need the following information to complete an application online or at a Soarion Financial Center:

Home of Your Dreams? Let’s Make It Happen