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Unlike a bank, the Credit Union is a not-for-profit organization, dedicated to empowering your discovery of financial freedom. That’s why you’ll find better rates, fewer fees (and no fees when possible), higher earnings, and more innovative products and services than you’d get at other financial institutions.
BCU is one of the nation's Top 100 credit unions, serving over 350,000 members in the United States and Puerto Rico. You’re just moments away from a better way to bank. Join today!
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Disclosure
Availability of Credit
This is not a loan approval. We are extending you a firm offer of credit (as defined in the Fair Credit Reporting Act) for a 30-year fixed rate full amortizing first lien mortgage loan. We are extending our offer to you based on information in your credit report indicating that you meet specific qualification criteria for the offer. If you apply to us for credit and satisfy the other conditions described below and agree to our terms, we’ll make the credit available to you.
Collateral
Our offer is solely for a loan secured by an acceptable first lien mortgage or security interest on your owner occupied primary residence (single family) located in the United States. Mobile homes are not eligible. After you apply, we’ll order an appraisal of the property to determine its value and make sure it meets our criteria.
Other Requirements
• To obtain credit, you must respond on or before the expiration date on the front of this letter and provide us with certain information in your application so that we can determine whether you continue to meet the specific credit criteria we have established.
• We must be able to verify the information in your application and that you continue to meet the specific criteria used to select you for this offer.
• You must meet all applicable investor (Fannie Mae & FHLB) requirements.
• You’ll be required to pay closing costs.
The amount you save on a refinanced mortgage may vary by loan. If a refinanced mortgage has a longer term than remains on your current loan, you will incur additional interest charges for the extended term.
Loans are subject to approval. Rates, terms and conditions may be subject to change without notice. Rates accurate as of 2/1/2025. All home lending products are subject to credit and property approval. Not all products are available in all states for all amounts. Other restrictions and limitations apply.