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How Can We Help?

Check out our full lineup of easy, stress-free products today!

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Your Journey to Homeownership Starts here

Find the Perfect Loan for Your Dream Home

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Whether you’re a first-time homebuyer or a real estate pro, our team will work with you to find the right mortgage for your needs, budget and goals. Explore our range of mortgage products:  
  • Fixed-rate home loans Lock in a fixed rate for the life of your loan.
  • Adjustable-rate home loans Get a flexible rate that goes up or down with the market.
  • First-time buyer loans Benefit from extra support during your first home purchase.
  • Construction loans Cover the cost of building your home from the ground up.
  • Land loans Purchase a plot of undeveloped land for a variety of purposes.
  • VA loans Save with lower rates and more flexible terms.

Make the most of homeownership.

If you already own a home, take advantage of financial options created just for you:

Home Refinancing

Swap your current mortgage for a new and better loan.

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Home Equity

Unlock the cash in your home for almost any purpose.

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Why choose us?

Folks come to Cotton Belt FCU for more than a mortgage – with us, you’ll find a team of experts who are on your side and here to help every step of the way.

 

Plus, you can manage your mortgage 24/7 with our free online banking and mobile app. Check your balance, make payments and more.

  • Competitive rates - We keep costs affordable
  • Honest service - No jargon here, just straight talk
  • Fast processing - Get into your new home sooner
Steps to buying a home

Ready to Buy a Home?
Here's How it All Goes Down.

Every buyer’s needs and timeline are a little different, but in general you can expect to:

Get
Pre-Approved

We review your finances to give you an estimate of how much you can borrow.
01

Find Your
Real Estate Agent

Work with a trusted agent to shop for houses in your price range and area.
02

Make
an Offer

Found “the one”? Time for your agent to help you submit an offer.
03

Seal
the Deal

After your offer is accepted, we get to work finalizing your mortgage to lock down that loan.
04

Move
on In!

Sign the final paperwork, get the keys, and start picking out paint colors—welcome home!
05
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Discover Banking Built to Help You Thrive

As your local not-for-profit financial institution, we aim to deliver better rates, fewer fees, and helpful service every step of the way. 

Learn More About Our MIssion