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Home Loans
Home › Home & Auto › Home LoansHome Sweet Loan
Buying a home is a huge life event. Whether you’re buying your first home or your dream home, you’ll probably need a mortgage. That’s where we come in. We offer a variety of home loans to fit your needs at competitive rates.* Fixed-rate and adjustable-rate options. FHA, VA and USDA Loans. Jumbo loans, professional loans and mortgages with down payment assistance. We’ve got you covered no matter what you need.
Let’s Get Started
The homebuying process might seem complicated, especially if you’re a first-time homebuyer, but we’re here to make it simple. Our professional Real Estate Loan Officers can help you along the way, explaining all the complicated parts and working with you to find the ideal mortgage type for your situation.
We’re available Monday – Friday, 8am to 5pm.
800.839.6328, ext. 2694Ready to go?
Apply for a mortgage today.Did You Know?
Grow offers Adjustable Rate Mortgages as low as 4.875% APR*, ensuring you feel confident setting down roots. An Adjustable Rate Mortgage may be a good choice if you want to maximize your buying power and keep your payments lower during the first few years of your loan. Contact a Real Estate Loan Officers to determine which loan is the best fit to help you grow.
Choosing the Right Mortgage for You
Our various loan offerings get you one step closer to finding your way home.
Fixed Rate Mortgages
Fixed rate mortgages are the simplest. Your payment will not change over the life of your loan because your interest rate cannot change. These are among the most popular loans for those reasons.
Adjustable Rate Mortgage
Adjustable Rate Mortgages, ARMs, offer a lower starting interest rate and therefore, a lower monthly payment. Your rate and your payment may increase, though, as time goes on. ARMs are useful loans for a variety of circumstances.
Jumbo Loans
Need to borrow more than $726,200.00? A Jumbo Loan may be your answer. We offer a variety of Jumbo loans to meet your needs.
Unique Loans
We offer a number of unique loans that may fit your particular needs. Balloons, FHA, VA and others. Talk with us about your needs and we’ll help find a loan that is right for you.
Home Equity Loans
Home Equity loans let you borrow against the equity in your home. Looking to remodel? Finance a college education? Consolidate debt? Our Home Equity programs may be just the answer.
Fixed rate mortgages are the simplest. Your payment will not change over the life of your loan because your interest rate cannot change. These are among the most popular loans for those reasons.
Adjustable Rate Mortgages, ARMs, offer a lower starting interest rate and therefore, a lower monthly payment. Your rate and your payment may increase, though, as time goes on. ARMs are useful loans for a variety of circumstances.
Need to borrow more than $726,200.00? A Jumbo Loan may be your answer. We offer a variety of Jumbo loans to meet your needs.
We offer a number of unique loans that may fit your particular needs. Balloons, FHA, VA and others. Talk with us about your needs and we’ll help find a loan that is right for you.
Home Equity loans let you borrow against the equity in your home. Looking to remodel? Finance a college education? Consolidate debt? Our Home Equity programs may be just the answer.
How to Prepare for Your Upcoming Appointment:
Coming to see us soon? Make sure you have everything
you need prior to your appointment time.Proof of current residence address, or addresses, for the past two years.
Social security numbers for all borrowers.
Employment history for the past two years, including employer(s) name, address and phone number.
Income information for all borrowers, including salary, overtime, bonuses, commissions, interest/dividend, retirement income and any other regular source of income.
Price of the home you are buying, and how much you’d like to borrow.
The address of the property you are planning to purchase.
Bank and brokerage account information, including the institution name and current balances.
If you own any real estate, we’ll have some basic questions including, address, current market value, the amount you owe, the rental income you receive (if any), and what your monthly payment is.
Information about your current debts. We’ll ask for the name of the creditor, the account number, the current balance owing and the amount of your monthly payment.
Subject to credit approval.
Grow Financial mortgage loans are valid for the purchase or refinance of owner-occupied residential properties in the states of Florida, South Carolina, North Carolina, Georgia, Alabama and Tennessee including single-family detached, condominiums and townhomes. Not valid for the purchase of investment properties. Grow Financial mortgage loan rates are updated daily and available at growfinancial.org.
Subject to credit approval.
*Rate subject to increase after consummation. The rate is based on an evaluation of credit history, so your rate may differ. Not everyone qualifies. Annual Percentage Rate (APR)
Grow Financial Federal Credit Union: Rate TrackerGrow Financial mortgage loans are valid for the purchase or refinance of owner-occupied residential properties in the states of Florida, South Carolina, North Carolina, Georgia, Alabama and Tennessee including single-family detached, condominiums and townhomes. Not valid for the purchase of investment properties. Grow Financial mortgage loan rates are updated daily and available at growfinancial.org.
How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.
Don’t have a Grow check? No worries.
Visit any Grow store and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
When it comes to making payments, we try to make it as painless as possible to pay your loan every month. We have several different ways to pay, including convenient online options.
Pay Online
You have two ways to pay online by transferring funds from another bank or credit union.
- Grow Online Banking (Preferred payment method for any loan)
This is the simplest way to pay your loan. You can make one-time payments or set up automatic recurring payments in Grow Online Banking. Once you log in, select “Transfer/Payments” from the menu. If you’re not enrolled in Grow Online Banking yet, you can set up your account in just a few minutes.
Log In
- Debit Card or ACH (Available for auto, personal loans and HELOCs)
Note: ACH and debit card payments are not available for credit cards or most mortgages, except HELOCs.
We accept ACH payments with no additional fees or Mastercard® and Visa® debit cards with a convenience fee of $4.95. To get started with an online ACH or debit card payment, select Pay Now below.
Pay Now
Pay by Mail
You can also pay any Grow loan by check through the mail. Please remember to include your account number and Grow loan number on the check. (For credit card payments, please do not write your 16-digit credit card number on the check, which can cause a delay in processing the payment.)
Address for auto, credit card, personal loan and HELOC payments:
Grow Financial Federal Credit Union
P.O. Box 75466
Chicago, IL 60675-5466Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733You Are About To Leave GrowFinancial.org
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