Mortgage 

Applications

Get Pre-Qualified

Pre-qualification only takes a few minutes and gives you an estimated loan amount before you start your full application.

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5 Reasons

to get your Mortgage at DECU

More Savings and Fewer ComplicationsSome lenders will sell off your mortgage as soon as it’s closed. However, that’s not likely to be the case with a Credit Union. Credit Unions typically prefer to hold and service your mortgage, if they are able. What does that mean for you?  You likely already know the people who hold your loan, and they are easy to contact if you have questions.

Additionally, by keeping your loan in our portfolio, you are less likely to experience escrow complications or payment problems that result in late fees.
Better ServiceCredit Unions have members, not customers. Most Credit Unions live and breathe member service, and you can see from our members just how much they appreciate the knowledge and friendliness of the Team.

At a Credit Union, you’ll work with people like Mortgage Lending Director, Morgan, Mortgage Loan Originator, Carly, and Mortgage Loan Processor, Delayne. Their experience and knowledge allow them to match the right real-estate product with your individual needs.
Local Housing Market KnowledgeDowneast Credit Union is a local organization. Because we are located where you live, we understand local housing availability and constraints. Sitting down with our Mortgage Team is a more personal experience. Rather than just processing a loan, we can help you understand where you may face challenges in your local market and get you prepared for the process.
Not-For-Profit Model Benefits You as a MemberCredit Unions are not-for-profit organizations, which means we reinvest all our earnings back into the organization. In the case of a Credit Union, most of the investment goes back to the members as higher dividends, lower fees and lower interest rates on loans. There are no shareholders earning millions of dollars on your dime – a lot of it goes back to you and other members.

The Mortgage Team at Downeast Credit Union has your back! We can offer guidance on what financial products are best for you. Let us show you the credit union difference. Get started and apply today with our mortgage application.
Loyalty Discounts Save ThousandsAt Downeast Credit Union, we reward you for your loyalty.

Members can save on average $29,000 in interest with our Mortgage Loyalty special!*

Earn 0.50% OFF the current qualifying rate1 when you purchase a new home or refinance your existing home.  And if that's not enough, members can apply for a no-fee, no-refi Rate Reduction2 if rates go down in your first five years after opening the mortgage.

Read our full Mortgage Blog here.

Get the Downeast CU Mobile App

With our mobile banking app, you can access your account instantly and securely from anywhere, anytime.  Manage your money confidently and download today:

To learn more, speak to the DECU Mortgage Team at 207.454.9007

Visit www.downeastcu.com/lending/real-estate-lending to learn more.

Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham and Unity.

Federally Insured by NCUA. Equal Housing Opportunity.