1st Mortgage Loans
You paid for your house. Don’t pay to get your loan too!
Smart Alternatives – No Origination Fees
When financing or refinancing your dream home, consider National JACL Credit Union as a smart alternative to a traditional mortgage lender. The credit union has the option of financing your home “in-house,” which could save you closing costs, as well as give you a competitive interest rate.
In addition, let our loan officers review your mortgage company’s “good faith” estimate. It’s always good to have a trusted partner that you can rely on to give you sound “home loan” advice. If we can’t beat the deal, at least you’ve done your “due diligence” by getting a 2nd bid allowing you the “peace of mind” of getting a fair price.
1st Mortgage Choices
As a credit union, we offer “in-house short term mortgages” with terms up to 15 years with No Origination Fees. Call a loan officer today at 801-424-5225 or toll free at 1-800-544-8828 to see if we have a loan that can save you money.
Mortgage Loan Rates
| Loan Type | *APR | Rate Type |
|---|---|---|
| First Mortgages: 60-180 months | Call credit union for rates | Fixed |
| Second Mortgages: 60-180 months | Call credit union for rates. | Fixed |
| Home Equity Line of Credit (HELOC) | Call credit union for rates. | Variable** |
| Effective- | 3/1/2026 |
**On Variable Rate loans, the index is based on the U.S> Prime Rate" as listed in the "Money Section" of the Wall Street Journal on the third Wednesday of March, June, September and December plus a margin to be disclosed in your closing documents. The APR will never be greater than 18.00%. Any interest rate increase will result in more payments of the same amount until the amount owed has been repaid.
Home Equity Loans
Don’t let your home just rest on it’s foundation. Make it work for you!
Why wait?
Don’t wait until you’re about to sell your home to fix it up. Enjoy an updated home now by borrowing against the equity in your home. It can often be a smart and less expensive way to borrow.
Managing your money wisely may sometimes include using a Home Equity Loan for:
- Debt Consolidation
- Remodeling
- Making necessary home repairs
- A Home Equity Loan may also be the least expensive loan to purchase a car or a dream vacation and the interest can be tax deductible.
Home Equity Products
- Fixed Rate Home Equity Loans or 2nd Mortgages – terms up to 15 year terms
- HELOCs (Home Equity Lines of Credit)
- up to 100% financing
- rates as low as prime + .75%
- no upfront fees unless we need an appraisal (loan can generally be done using a current property tax notice).
Get more information and apply today by calling a Loan Officer at (801) 424-5225 or toll free at (800) 544-8828.
Apply online by clicking here for all in-house short term mortgages, 2nd mortgages and Home Equity Line of Credits (HELOCs).