Mortgages

Blaze the Trail to Your Perfect Home!

Your trusted local mortgage lender, guiding you every step of the way.

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View Rates

Fixed Mortgage

6.064

%
APR*

10 year fixed

Balloon Mortgage

6.271

%
APR

5 year balloon

Vacant Land

7.512

%
APR

3 year balloon

Mortgage Loan Types

Plant Roots. Build Dreams.

Purchase

A hand holds a key with a house-shaped keychain inserted into a door, with moving boxes blurred in the background.

Purchase Home

Start your new home loan journey with us and get preapproved for a mortgage today.

Choose from Various Fixed and Balloon Rate options
Use for your primary residence or a second home getaway
3% down payment option for Fixed Rate and 0% for Balloon Rate
90 Day Rate Lock on preapprovals

Apply for Purchase

Refinance

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Refinance Home

We're here to help you secure a lower rate, fund home improvements, or access cash when you need it.

Choose from Various Fixed and Balloon Rate options
Use for your primary residence or a second home getaway
Refinance your current Wildfire mortgage to adjust rate and term for just $1,000

Apply for Refinance

Land

Vacant Land

Take the first step toward property ownership—whether you're planning your future home or securing the perfect hunting retreat.

Properties with no dwelling and are non-income producing (ex. farming)
Borrow up to 70% of purchase/appraised value
Refinance existing Vacant Land loans

Apply for Vacant Land

Low Closing Costs

We can save you thousands at your closing.

Take a look at how our closing costs compare to others. We do not have a processing fee or underwriting fee leaving our closing costs incredibly lower than others. Here's an actual comparison:**

	Bank 1	Bank 2	Wildfire
Origination Costs	$2,350†	$5,660†	$750
Loan Origination Fee	$0	$2,760	$0
Processing Fee	$895	$1,250	$0
Underwriter Fee	$1,455	$1,500	$0
Total Closing Cost	$4,700	$11,320	$750

Disclaimers:

*APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval.

** Comparison only reflect origination fees that are paid to the credit union and do not include other closing costs associated with doing a mortgage loan, such as appraisal fee, credit report fee, title fees, recording fees, etc.

† Origination costs are based on a percentage of the loan balance.

Real Estate Rates

Please Note: Rates are subject to change without notice. Loan rates listed here represent our best rate and not all members will qualify for the best rate. The actual interest rate available to you will be based on your credit history and LTV (Loan to Value) and may be different from the rates disclosed below.

APR amount calculations assume a 20% down payment has been made for a final loan amount of $120,000. All payment examples are for principle and interest only. Property taxes and home owners insurance are not included.

Mortgage applicants please read our Mortgage Applicant Disclosure.

Fixed Mortgage

Effective Date: - 12:00 A.M. EST
Term	Rate	APR (As low as)	Payment Amount
10 Year Fixed	5.750%	6.064%	$10.98/mo per $1,000 borrowed.
15 Year Fixed	5.875%	6.100%	$8.38/mo per $1,000 borrowed.
20 Year Fixed	6.250%	6.436%	$7.31/mo per $1,000 borrowed.
30 Year Fixed	6.500%	6.645%	$6.33/mo per $1,000 borrowed.

Balloon Mortgage

Effective Date: - 12:00 A.M. EST

A balloon payment will result if only principal and interest payments are made during the term of the loan.

**Balloon repayment and option to refinance example: If you borrow $120,000 at 6.271% APR for a 360-month amortization, 60-month balloon term, you will make 59 payments of approximately $719.46 and one final payment of approximately $112,384.78. All or a portion of the final payment may be refinanced with qualifying credit worthiness.
Balloon	Amortization Period	Rate	APR (As low as)	Payment Amount
5-Year Balloon**	30 Years	6.000%	6.271%	$6.00/mo per $1,000 based on maximum Amortization Period.
7-Year Balloon**	30 Years	6.250%	6.462%	$6.16/mo per $1,000 based on maximum Amortization Period.
10-Year Balloon**	30 Years	6.500%	6.668%	$6.33/mo per $1,000 based on maximum Amortization Period.