Home Loans

Whether you’re interested in purchasing your first home, buying an investment property, or looking to refinance your current home at a great rate, Bellco’s team of mortgage loan consultants are here to help. And because we’re a credit union, we can offer low down-payment options and more competitive loan products to help you get a leg up.

Our Fixed Loans

• Available in a number of different terms, this traditional type of loan maintains its original interest rate for the entire term of your loan. 
• It might be a good choice for you if you want to increase the loan amount you qualify for, plan to stay in your home for 10 years or more or don't expect your income to significantly increase in years to come.

Adjustable Rate Mortgage (ARM) Loans

• The interest rates on an adjustable rate mortgages (ARM) are periodically adjusted to account for market conditions after an initial fixed term.
• ARMs typically offer a lower initial rate and monthly payment than traditional financing but are less predictable because of variable interest rates.
• While your initial monthly payments may be lower with an ARM, it’s important to review your loan once the fixed term expires.

Jumbo Loans

• In the market for that "once in a lifetime" dream home? Bellco offers competitive jumbo loan interest rates for qualified members.
• Choose from a fixed or adjustable rate loan.

Vacation and Second Home Options

Bellco goes beyond home loans for primary residences to offer loan choices for vacation properties and second homes.

Home Equity ChoiceLine

Taking advantage of your existing equity is easy with your custom ChoiceLine account. In addition to low interest rates, ChoiceLine offers many benefits including the ability to use the variable-rate line of credit during the 10 year draw period, pay no annual fee and no prepayment fee, choose an interest-only payment option for your line of credit during the 10 year draw period, and much more.