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Kellogg Community Credit Union
New home
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home mortgage

Buying a home or property is one of the most important decisions you will make in a lifetime. We’ll help get you into your home faster or buy that special piece of land with a home mortgage or real estate loan from KCCU.

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why KCCU?

  • Personal service
  • Great rates
  • Generous terms
  • Fast approvals - all of our mortgage decisions are made in-house
  • Get pre-approved before you shop
  • Local servicing

flexible loan options

  • 10-year, 15-year, 20-year, and 30-year fixed-rate mortgages*
  • 5-year and 7-year balloon mortgages
  • Adjustable Rate Mortgages (ARMs)
  • Condominium loans
  • Low down payment FHA loans
  • VA loans
  • Rural development loans
  • Vacant land loans
  • Construction loans
  • Jumbo mortgages

mortgage refinancing

You might want to consider your refinancing options, to help you achieve your financial goals. 

  • Reduce your monthly mortgage payments
  • Pay off your mortgage faster and save on interest
  • Increase the length of your mortgage for lower monthly payments
  • Change the terms of your adjustable rate mortgage to a fixed-rate mortgage
  • Get quick funds for home renovations, college tuition, debt consolidation, or other expenses by refinancing for a higher loan amount
  • Trade up to a better mortgage rate if your financial situation has improved since you originally financed your home


Please see our current rates for our up-to-date mortgage rates.

meet the mortgage team

Learn more about our Mortgage Originators

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"KCCU was there for me when I wanted to purchase my grandmother's house after she passed away. They were so helpful in getting me to a position where I could get the loan and ultimately purchase the house. I will be forever grateful."

– Teresa B.

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"Amanda is always a pleasure to work with. She recently helped my sister with her house and my cousin with his. She is the family lender of choice! We all love her so very much. She was very clear about options and made the whole process easy. We really appreciate quality employees like her. "

– Maria R. 

 * Regular monthly payments will be determined based on the rate, term selected, and individual loan amount—for example for a 10 year mortgage, for each $1,000 borrowed, 120 monthly payments of $9.90 (starting at 1,000). Federally insured. Equal housing lender.