f Rails West Federal Credit Union - People Helping People Since 1935
Mortgage Loans

At Rails West Federal Credit Union we know that your home will be the biggest purchase you make in your lifetime.  We also know that the value of working with people who not only know what they are talking about but also know who they are talking to is invaluable.  Our team of dedicated Home Loan Specialists are available to help you answer those tough questions when it comes to either purchasing a new home, refinancing an existing one, or using the equity in your home for a bit more spending power.

Conventional Mortgage Loans

  • Up to 95% financing OAC
  • 10, 12, 15, 20, 25, and 30-year fixed rate term available
  • 5, 7, 10-year Adjustable Rate Mortgages (ARMs)
  • Low mortgage insurance monthly/yearly premiums
  • Available for second homes and investment properties

FHA Mortgage Loans

  • 3.5% Down Required
  • Program allows gift funds from family members to be used toward down payment and closing costs
  • 15 and 30-year fixed rate mortgages
  • Nontraditional credit accepted
  • Loans insured by Federal Housing Administration

VA Mortgage Loans

  • 100% financing available
  • No private mortgage insurance required
  • Low closing costs
  • Nontraditional credit accepted
  • Various payment options, including fixed and adjustable rate mortgages

USDA Rural Housing Loan

  • 100% financing available
  • No down payment required
  • Nontraditional credit accepted
  • Fixed 30 year interest rates
  • Not limited to first-time homebuyers

Home Equity Loans

  • Up to 90% LTV combined financing
  • No annual fees
  • 15 and 20 year options
  • Fixed and Variable rate term options
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This credit union is federally insured by the National Credit Union Administration.
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