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First Class Community Credit Union offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide Conventional, FHA, VA and USDA loan products.
 
Conventional
FHA
VA
USDA

Conventional
- Up to 97% LTV - Purchase and Refinance - 15, 20 and 30 YR Fixed Rate Mortgage - 5, 7, and 10 Year Adjustable Rate Mortgages Available - 1 - 4 Unites - All Occupancy Types

FHA
- Up to 96.5% LTV - Purchase and Refinance - 15 and 30 Year Fixed Rates - 5 Year Adjustable Rate - 1 - 4 Units

VA
- Zero Down Payment - Purchase and Refinance - 15 and 30 Year Fixed Rates - 5 Year Adjustable Rate - 1 - 4 Units - Limited to Eligible Veterans - No Mortgage Insurance

USDA
- Zero Down Payment - Up to 102.5% LTV - Purchase and Refinance - 30 Year Fixed Rates - 1 Unit - Limited to rural areas - Income eligibility



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.