Fixed Rates as low as 6.50%

This loan may be used on single, double or triple wide manufactured units or on-frame modular homes.

• Primary Residence- 95% CLTV
• 640 Credit Score Required 
• NO PMI
• Origination Fee 1%
• Maximum Term 25 years
• Homes must be located within CCU counties of membership 
• Maximum Loan Amount $150,000

6.632% APR- rates may change without notice

Fixed Rates as low as 6.50%

Manufactured Housing offers an attractive alternative to escalating home prices, making it more affordable to reach the American Dream of home ownership.

This loan may be used on single, double or triple wide manufactured units or on-frame modular homes.

• Primary Residence- 95% CLTV
• Second Homes- 90% CLTV
• 640 Credit Score Required 
• NO PMI
• Origination Fee 1%
• Maximum Term 25 years for new units- 20 years for used units
• Manufactured Homes must be located within CCU counties of membership 
• Maximum Loan Amount $150,000

6.632% APR- rates may change without notice

Rates as low as 4.25% for 100% Financing

You can call one of our Mortgage Experts Today to find out how you can finally purchase a home with NO DOWN PAYMENT REQUIRED!

• Primary Residence Only
• Borrower must contribute at least 1% toward closing costs
• 1% Origination Fee
• 680 credit score required
• $250,000 maximum loan amount
• NO PMI
• Maximum Term 30 years
• Property must be located in North Carolina

4.338% APR- Rates may change without notice

30 year Fixed Rates as low as 4.00% 

You want good rates, a trusted advisor, and financial stability from your mortgage lender.

You have all 3 with Champion Credit Union! 

• NO ORIGINATION FEE! Primary Residence Only certain restrictions apply
• 620 Minimum Credit Score
• 97% Financing for Primary Residence
• 80% Financing for Second Homes
• 70% Financing for Investment Property
• Cash-out Options
• Maximum Loan Amount $417,000
• Out of State Property Financing Available

4.119% APR- Rates can change without notice

Fixed Rates as low as 3.25%

This loan will have a fixed rate for the entire term of the loan. Once the loan is closed, the rate will never change.

• NO ORIGINATION FEE! Primary Residence Only certain restrictions apply
• 97% Financing for Primary Residence 
• 80% Financing for Second Homes 
• 70% Financing for Investment Properties
• 620 Credit Score Required
• Cash-out Options 
• Maximum Loan Amount $417,000
• Out of State Property Financing Available

3.462% APR- Rates may change without notice

Introducing the "40-year Fixed Rate Mortgage"

The 40-year Mortgage is ideal for borrowers who face affordability issues or those living in high-cost areas seeking manageable monthly payments.

The 40-year Mortgage offers lower payments to help borrowers qualify for a loarger loan than the 30-year fixed-rate would allow. This product can help to increase purchasing power for a new buyer!

• 1% Origination Fee
• 95% Financing for Primary Residence
• 80% Financing for Second Homes
• 70% Financing for Investment Property
• Cash-out Options
• Maximum Loan Amount $417,000
• Out of State Property Financing
• 3,5,7,10 year ARM Available

The initial interest rate of 3.99% is fixed for the first two years. The interest rate can then only adjust 1% per year, with a maximum increase of 6% over the life of the loan.

• Primary Residence- 97% CLTV  
• 90% CLTV for Second Homes
• 1% Origination Fee
• 680 Credit Score Required
• NO PMI
• Maximum Term 30 years
• Maximum Loan Amount $300,000
• Property must be located in North Carolina

4.077% APR- rates may change without notice

The initial interest rate of 4.125% is fixed for the first three years. The interest rate can then only adjust 1% per year, with a maximum increase of 6% over the life of the loan.

• Primary Residence- 97% CLTV
• 90% CLTV for Second Homes
• 1% Origination Fee
• 680 Credit Score Required
• NO PMI
• Maximum Term 30 years
• Maximum Loan Amount $300,000
• Property must be located in North Carolina

4.237% APR- Rates subject to change without notice

The initial interest rate of 5.50% is fixed for the first five years. The interest rate can then only adjust 1% per year, with a maximum increase of 6% over the life of the loan.

• Primary Residence- 90% CLTV
• Second Homes- 90% CLTV
• 1% Origination Fee
• NO PMI
• 680 Minimum Credit Score Required
• Maximum Term 30 years
• Maximum Loan Amount $300,000
• Property must be located in North Carolina

5.595% APR- rates may change without notice

• NO ORIGINATION FEE! certain restrictions apply
• 680 Minimum Credit Score
• 70% Financing for Investment Property
• 6 months PITI Reserves Required
• Maximum Loan Amount $417,000
• Out of State Property Financing Available

Financing Now Available for Second Homes up to 90% CLTV!

• NO Origination Fee - certain restrictions apply
• 680 Minimum Credit Score Required
• Maximum Term 30 years
• Maximum Loan Amount $417,000
• Out of State Financing Available

Condo Loans Are Back!

Champion Credit Union can now offer you a Low Fixed Rate for the purchase or Refinance of Condos! Inquire with one of our experienced Mortgage Professionals for additional information:

• 1% Origination Fee
• 95% Financing for Primary Residence- purchase only
• 80% Financing for Second Home
• 70% Financing for Investment Property
• Maximum Loan Amount $417,000
• Out of State Property Financing Available
• Must be on HUD Approved Condo List and 75% owner occupancy https://entp.hud.gov/idapp/html/condo1.cfm

• NO ORIGINATION FEE! certain restrictions apply
• 620 Minimum Credit Score
• 97% Financing for Primary Residence
• 80% Financing for Second Homes
• 70% Financing for Investment Property
• Cash-out Options
• Maximum Loan Amount $417,000
• Out of State Property Financing Available

Champion Credit Union will grant loans to purchase or refinance Undeveloped Real Estate:

• 7.25% Fixed Rate option available for 10 year financing.
• 6.25% Adjustable Rate option available for 15 year financing.
• Origination Fee 1% minimum fee may apply
• 700 Credit Score Required
• 80% maximum CLTV
• Property must be located within CCU counties of membership

6.671% APR- rates may change without notice

The advantage to a FHA home loan is that the credit criteria for a first time borrower are not as strict as Conventional Loans.  FHA loans will allow the borrower who has had a few "credit problems" or those without a credit history to buy a home with a fixed rate mortgage.

• Low Down Payment Requirement of 3.5% for a purchase
• Bankruptcy discharged at least 2 years accepted
• FHA loans will be significantly cheaper for someone with past credit problems
• Borrower's can have down payment gifted from family member
• Mortgage Insurance Premiums are required: This fee is generally half that charged for Conventional Loans
• Cash out refinance allowed up to 85% of the appraised value
• Seller's can pay all of the closing costs up to 6% of the sales price
• Cash Reserves are NOT required
• Flexible qualifying ratios
• No Pre-payment penalty

Rates as low as 5.00% certain restrictions may apply

Home Equity Loans are secured loans against your property being a line of credit that you can redraw on for up to 10 years, or a one time fixed loan. Interest paid on Home Equity Loans may qualify as a tax deductible option versus other forms of credit. Consult your tax advisor regarding the deductibility of interest.

• Primary Residence and Second Homes- 85% CLTV
• Manufactured Homes- 70% CLTV Fixed only up to 10 year term
• Maximum Loan Amount $75,000
• 640 Credit Score Required
• Life and Disability Insurance Available
• No Origination Fee
• Current Appraisal Required
• Property must be located in CCU counties of membership

18.00% maximum APR. Rates can change without notice