Mortgage Loans

We'll make purchasing a home or refinancing your mortgage fun and easy.

All XCEL Mortgages Feature:

  • Competitive interest rates
  • Low closing costs
  • Choice of repayment terms
  • Schedule easy automatic payments
  • Refinancing options
  • Guidance from experienced lending team

Please log into the NMLS Consumer Access website for a list of our lenders.

(XCEL FCU’s NMLS ID is 474542.)

Fixed-Rate Mortgages

  • 15-, 20- and 30-year terms available
  • Stable monthly payments over the life of your loan
  • Lock in rates for up to 45 days
  • Refinance existing loans

Adjustable-Rate Mortgages

  • Various types of ARMs available
  • Lock in a low initial rate with limited annual increases
  • Available for one- to four-family residences
  • Refinance existing loans