From purchasing your first home, to affordable refinancing, to building your dream home, Wright-Patt Credit Union® (WPCU®) is with you every step of your homebuying journey. Mortgage loans processed by myCUmortgage, LLC — a wholly-owned subsidiary of Wright-Patt Credit Union, Inc. All loans subject to credit approval and property appraisal.
Whether it’s your first home purchase, your next home, or it’s time to refinance, find a loan that’s the right fit for your unique situation.
Your home is one of your most valuable resources. Find out if using your home’s equity is the best way to get the funds you need.
Get step-by-step guidance and practical homebuying tips and tools to help take the mystery out of the mortgage process.
As part of WPCU, CoverPoint Insurance Solutions can help you protect your property with customized homeowners insurance.
When you're ready to talk to someone and want to learn more about your mortgage loan options, please contact one of our friendly, knowledgeable Mortgage Originators .
On-demand, interactive learning modules that are ready when you are. Learn a lot about the homeowning process from Buying a Home to Refinancing Your Mortgage with our helpful Mortgage Learning Modules .
Use our financial calculators to estimate monthly payments, refinance needs, estimated savings and more.
One of the best ways to feel good about your finances is to get a credit report and strengthen your credit score. Visit AnnualCreditReport.com for an annual free copy of your credit report. Learn more about how your credit score works here .
With mortgage services from WPCU, any home buyer, from first-time buyers to property investors, will be able to take advantage of the benefits our NMLS registered credit union offers.
Buying your first home can feel intimidating, but it doesn’t have to. WPCU offers financial education resources for first-time home buyers . Learn about which credit union mortgage loan option may be right for you with our financial calculators and home-buying seminars . Do you think you’re ready to get started? Our Mortgage Loan Originators are here to take you through the entire mortgage loan application process.
If you’re an experienced buyer , look no further than WPCU for competitive interest rates and closing costs. Whether you’re purchasing an additional home or upgrading your current home, our streamlined mortgage application process makes it easy to finance.
Think it’s time to refinance your home? Refinancing is a great option if you’re able to lower your current interest rate or if the value of your home has increased. Refinancing your mortgage loan can lower your monthly payment, help to consolidate debt or put extra money in your pocket for home renovations. To help you better understand your APR (annual percentage rate) and your available payment options, WPCU is here to walk you through every step of refinancing your home .
Your home is your greatest asset. Home Equity Loans allow you to take your home's equity and turn it into money in your pocket. With a home equity loan, you can use the funds to renovate your home, consolidate debt , make a major purchase or just have extra money standing by. WPCU offers two types of Home Equity Loans, a Line-of-Credit Option or a Fixed-Rate Loan. Click here to learn more and find which option is best for you.
Whether you’re buying your first home, refinancing your home or upgrading to a new home, there are a number of mortgage loan options to choose from. WPCU offers fixed rate, adjustable rate, FHA and VA loan products. As an equal housing lender, we’re here to help you evaluate your needs and figure out which loan amount and loan option is right for you. Please contact us today to discuss your options.
At WPCU our focus is extraordinary service and a commitment to helping you live the life you want to live. As your credit union, our goal is to be the best organization you have ever experienced. When you’re ready to start your home loan process and experience our award-winning service, reach out to one of our experienced and friendly Mortgage Loan Originators .
When you choose Wright-Patt Credit Union for your mortgage loan and other online banking needs, you’ll get so much more than a routing number and a checking account. We provide our members with all convenience of a traditional bank. But with our commitment to service, member empowerment, and accountability, you’ll get the attention and financial guidance that you deserve. Whether you need help purchasing a home or refinancing loans, WPCU will support you every step of the way.
Once you become a WPCU member, securing a mortgage loan is simple. We’ll connect you with a knowledgeable Mortgage Loan Originator and provide resources to help you get where you need to be for higher approval odds. All loan applications are subject to credit review and approval.
Wright-Patt Credit Union offers lower, competitive mortgage rates, lower-to-no fees, and more flexible lending criteria. An appropriate down payment can help make mortgage rates and monthly payments more affordable. All loan applications are subject to credit review and approval.
You can apply for a mortgage loan online at your convenience, or visit your closest Member Center. You can also call (800) 762-0047 ext. 7680 and ask to speak with one of our friendly and helpful Mortgage Loan Originators.
When you're ready to meet face-to-face with a Mortgage Originator, simply call (937) 912-7000 or (800) 762-0047 and ask to be directed to one of our friendly and knowledgeable Mortgage Originators , or click here .
The key to buying the right home for you and your family is knowing how much you can comfortably afford to pay each month. In addition to your monthly mortgage payment, remember to consider property taxes, PMI if required, maintenance and homeowners insurance.
Use these calculators to learn more about how much you can afford to spend on your home.
Just like there is no one-size-fits-all home, there isn't a one-size-fits-all mortgage. There are lots of options that can be tailored to suit your individual situation. At Wright-Patt Credit Union, we are committed to helping you find the right mortgage for you so you can move toward the goal of homeownership with more peace of mind for as long as you own your home.
Please consult with your Mortgage Loan Originator by calling (937) 912-7680 .
Mortgage loans processed by myCUmortgage, LLC — a wholly-owned subsidiary of Wright-Patt Credit Union, Inc. All loans subject to credit approval and property appraisal.
Once you have a sales contract in hand, you can lock your interest rate on your Wright-Patt Credit Union Construction Loan. You'll enjoy peace of mind knowing that your rate is protected through the life of the loan—from construction through conversion.
The timeframe for a foreclosure varies from county to county, but this is an example of what a typical foreclosure timeframe might be:
The entire process can happen as quickly as 6 months, so if you are having problems making your mortgage payment, contact us immediately. The sooner you act, the sooner we can work to help keep you in your home.
Our goal is to help keep you in your home and there are a number of options we can help you with:
In 2006, the Ohio NeighborWorks organizations created a Home Rescue Fund for low and moderate income households that are in danger of losing their home. This fund can provide funds to assist in a rescue loan for individuals behind on their mortgage and in danger of foreclosure.
We do have to place some exclusions on the program. These exclusions are related to decisions you may make as the borrower. Here's what they are, and why they are needed.
Yes, we offer a variety of rate lock options. Contact a Mortgage Originator by calling (937) 912-7680 or (800) 762-0047, ext. 7680 for details.
Credit unions often provide competitive mortgage rates and may charge fewer fees because they operate as nonprofit financial institutions.
Mortgage rates are influenced by several factors including the broader economy, inflation, the Federal Reserve’s policies, and the borrower’s credit profile.
Yes. Comparing lenders allows you to evaluate interest rates, fees, and loan options to find the best mortgage for your financial situation.
Your credit score, loan product, loan amount, loan term, down payment, and debt-to-income ratio all play a role in determining the mortgage rate you receive.
Common mortgage options include conventional loans, FHA loans, VA loans, and adjustable-rate mortgages. Each option has different requirements and benefits depending on the borrower’s needs.
"WPCU has been such a jewel for my family. I had my 16 year old daughter become a member as well."