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Purchase First Mortgage

Pre-Approvals. Helpful Experts. Perfect Fit.

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Purchase First Mortgage

Home Loans With The Perfect Fit.

Our Mortgage Loan Experts will guide you through every step, so you’ll be home in no time! Whether you’re a first time home buyer looking to finance a starter home or a new empty nest, we’ll work with you to select the rate, down payment and term that meets your financial goals.

In a competitive market, Radiant will give you an edge with:

  • 60-day rate lock

  • Fast preapproval

  • Easy online application and document uploads

  • Loan terms between 10 and 30 years

  • Down payments as low as 5% of purchase price*

  • Single family loan amounts up to $1,000,000

  • Primary residence only

Close-up of a Radiant Credit Union mortgage application checklist being filled out to support long-term financial goals.

MORTGAGE APPLICATION CHECKLIST

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HOMEOWNERS INSURANCE

If you change companies for your homeowners insurance please upload the new policy information.

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UNDERSTANDING ESCROW

Escrow accounts are used to pay property taxes, insurance, and other charges.

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Disclosures

*Standard mortgage amortization terms offered for 10, 15, 20, and 30-year owner-occupied property. Loan amounts available from $30,000 up to $1,000,000. For 15, 20, and 30-year terms, maximum Loan To Value (LTV) is 95% for purchase and limited cash out refinance, and 80% LTV for cash out refinance. For 10-year term, maximum 90% LTV for purchase or refinance. Escrow included with monthly payment and mortgage insurance required for mortgage loans with LTV greater than 80%. Radiant Credit Union is federally insured by the NCUA. Equal Housing Lender.

Our Members are Talking

“I am very impressed with the quick response that I have received from Radiant Credit Union. You just can’t find that type of customer service anymore. I look forward to doing business with them.”

Josie R.
five stars

“I love Radiant Credit Union. I've never been in and had a bad experience. Great place to do business.”

Dewayne
five stars

“Everyone I dealt with was so professional and the customer service was outstanding. Been doing business with Radiant for years and will continue taking my business there for years to come. Thank you!”

Robert L.
five stars
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