Real Estate

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We’ll always be here for you and that’s why we are holding our 30 year fixed rate mortgages starting at 3.215% APR* for the time being. Create the home of your dreams while keeping piece of mind about your wallet.


5/5 Mortgage

Imagine being able to buy a home with only 5% down without having to pay any dreaded private mortgage insurance (PMI). Class Act is happy to announce the addition of 5/5 mortgages to give our members those exact benefits and more. Our 5/5 mortgage is an adjustable rate mortgage for terms of 10 to 30 years. The initial rate remains constant for a full five years, and then adjusts (up or down) after each 5 year period to the LIBOR- indexed market rate at that time. To protect members from sudden large increases, we’ve placed limits so that the rate cannot be raised more than 2% for any one adjustment period, with a 6% cumulative lifetime cap on rate hikes. At today’s rates members are assured that the rate will not go up more than 2% for ten years. The 5/5 mortgage is well-suited for first time buyers and for those who don’t plan to stay at that house for more than 10 years. Call 502.964.7575 to speak with one of our mortgage loan specialists to see if our new 5/5 mortgage is right for you.


Meet the Team

Our Mortgage representatives would love to help you through the home-buying process!


Gabrielle Wermuth              Mortgage Loan Originator               502-212-3172                NMLS ID: 1774081
Pamela Farmer
Pamela Farmer                 Mortgage Lending Manager               502-212-3115                 NMLS ID: 454291



















Rates shown are as low as

DescriptionMaximum AmountMinimum TermAnnual Percentage Rate
Home Equity Loans90% Loan to Value15 years / 7 years drawAs low as 3%
Closed End Fixed Rate 2nd Mortgage$100,000121 to 180 monthsAs low as 3.5%
Closed End Fixed Rate 2nd Mortgage$100,00061 to 120 monthsAs low as 3.25%
Closed End Fixed Rate 2nd Mortgage$100,000Up to 60 monthsAs low as 3.25%
5/5 Adjustable Rate Mortgage95% Loan to Value30 yearsApply Now!
Mortgage Loans 1st MortgagesLearn MoreLearn MoreAs low as 3.215% APR

*Effective 10.23.2020. Annual percentage rate is representative of rate & closing costs based on loan amount of $150,000, fixed term of 30 or 15 years with standard closing costs which do not included pre-paid interest or optional owners title insurance. Rate is subject to change without notice.  All mortgage loans are subject to approved credit.

Employees who are Mortgage Loan Originators (MLO) are registered in the Nationwide Mortgage Licensing System (NMLS). Their identification numbers are as follows:

Class Act Federal Credit Union403005
Gabrielle Marie Wermuth1774081
Pamela E. Farmer454291
Stephen L. Green1913841
Germaine Randoph1194133
Mercedes Alonso Reyes476462
Jeremy Mobley2032916
David Haven439356

Apply Now!


We’re people helping people & we’ll always be here for you.

Here are some quick guides to help you with the home buying process!

Private Mortgage Insurance

You Are Pre-Approved

Do’s And Don’ts

Getting Your Act Together


View Our Rates