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couple with labrador getting a Class Act mortgage loan

Get Your Mortgage Right Here at Your Credit Union!

We offer a variety of loan programs from purchases to refinance. Our in-house team will work with you to make sure you get the perfect mortgage loan for your unique needs. Complete Suite of Mortgage Programs include:

  • Low Down Payment Options Available
  • Competitive Rates & Closing Costs
  • Free Online Application
  • Expedited Closings
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Young couple holding keys to their new home

Fixed Rate Conventional Mortgage

Looking for a stable and secure mortgage plan? Look no further! Fixed rate mortgages offer a reliable and straightforward way to finance your dream home. With fixed rate mortgages, you can relax knowing that your monthly payments won't change – giving you the peace of mind you need for the long term. We have loans term ranging from 10 to 30 years, so you can pay off your mortgage at your own pace. If you appreciate the convenience of a consistent mortgage payment, this could the perfect program for you!

 

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Government Loans

To best serve our Class Act family, we partnered with Member First Mortgage, LLC to provide our members with government loans, competitive rates and excellent service. 

happy family dancing in the house they bought with their class act loan

Federal Housing Administration (FHA)

Looking to buy a home but have less than perfect credit? Struggling to save funds for a down payment? The FHA mortgage program is a great option for first-time homebuyers and borrowers looking for a low down payment option with affordable terms. FHA loans require a 3.5% down payment, accommodates lower credit scores compared to other conventional loans, and has flexible qualification requirements. 

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Veteran Administration (VA)

The Veterans Administration (VA) mortgage program is available to Veterans, active-duty service members, service personnel and spouses. VA loans are designed to help Veterans and their families buy, build, repair, or retain a home, with favorable loan terms and qualification guidelines. 

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woman watering her garden at the house she bought with her USDA loan

United States Department of Agriculture (USDA)

The USDA Rural Development mortgage program is a unique loan option designed to assist borrowers in eligible geographical areas. If you're looking for a home outside of the city, USDA can be an affordable program to finance your home!

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Mortgage Calculators

Know What to Expect When You Get a Mortgage

We understand that taking out a mortgage is a big decision, and we want to make sure our members have the resources they need to make the process as simple as possible. Our expert mortgage team will keep you informed throughout the entire process, from application to closing. Here are some quick guides to help you with the home buying process: 

Private Mortgage Insurance

You Are Pre-Approved

Do's & Don'ts

Game Plan & To-do List

What now?

Not sure which loan is right for you? Reach out to one of our Mortgage Professionals before you apply to discuss the details of each option.

Ready for a mortgage? AVOID LARGE PURCHASES and opening new credit accounts to keep your score as high as possible.

Need to open a Class Act account? Make sure you inform your MRO about your plans to get a mortgage.

Gabrielle Pierce

Mortgage Loan Originator  
502-212-3172
gpierce@classact.org  

NMLS ID#: 1774081

Gabrielle For Web 3

Aaron Goodman

Mortgage Loan Originator  
502-212-3145  
agoodman@classact.org

NMLS ID#: 2243582

Aaron Goodman

Pamela Farmer

Mortgage Lending Manager  
502-212-3115  
pfarmer@classact.org

NMLS ID#: 454291

Pamela Farmer

David Haven

Mortgage Loan Originator  
502-415-7786
dhaven@classact.org

NMLS ID#: 439356

David Haven

NMLS ID #'s

Name NMLS ID #
Class Act Federal Credit Union 403005
Gabrielle Marie Pierce 1774081
Pamela E Farmer 454291
Stephen L Green 1913841
John David Haven 439356
Aaron Goodman 2243582
Name
NMLS ID #
403005
NMLS ID #
1774081
NMLS ID #
454291
NMLS ID #
1913841
NMLS ID #
439356
NMLS ID #
2243582

Our Rates

Description Maximum Amount Term Annual Percentage Rate
Home Equity Line of Credit (HELOC) 100% Loan to Value 25 years / 10 years draw As low as 7.75%
Fixed Rate Home Equity Loan $200,000 10 years As low as 8.115%*
Fixed Rate Home Equity Loan $200,000 15 years As low as 8.584%*
Fixed Rate Home Equity Loan $200,000 20 years As low as 9.070%*
Mortgage Loans 1st Mortgages Learn More Learn More Get A Rate
Description
Maximum Amount
100% Loan to Value
Term
25 years / 10 years draw
Annual Percentage Rate
As low as 7.75%
Maximum Amount
$200,000
Term
10 years
Annual Percentage Rate
As low as 8.115%*
Maximum Amount
$200,000
Term
15 years
Annual Percentage Rate
As low as 8.584%*
Maximum Amount
$200,000
Term
20 years
Annual Percentage Rate
As low as 9.070%*
Maximum Amount
Term
Annual Percentage Rate

*Effective 7.27.2023. Annual percentage rate is representative of rate & closing costs based on loan amount of $100,000, fixed term as per table with standard closing costs. Rate is subject to change without notice. All mortgage loans are subject to credit approval.

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