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Mortgage Resource Center
Mortgage Resources
Welcome to Radiant Credit Union’s Mortgage Resource Center—your trusted source for clear, reliable, and easy-to-understand real estate information. Whether you’re embarking on the journey of purchasing your first home, refinancing an existing mortgage, or seeking professional insights as a local realtor, we’re here to support you every step of the way. Our goal is to provide you with the tools, guides, and expert advice needed to navigate the mortgage process with confidence. From understanding loan options to calculating payments and preparing for closing, you’ll find everything you need to make informed financial decisions about homeownership. Explore our resources and take the next step toward your homeownership goals with clarity and peace of mind.
Ensure you're fully prepared for the mortgage process with our step-by-step checklist:
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Check your credit score: Review your credit report to understand your financial standing
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Determine your budget: Access your finances to establish a comfortable price range.
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Get pre-approved: Obtain pre-approval to strengthen your purchasing position.
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Find the right home: Search for properties that meet your criteria.
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Make an offer: Submit a competitive offer on your chosen property.
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Schedule an inspection: Arrange for a professional inspection to assess the home's condition.
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Secure Financing: Finalize your mortgage loan details.
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Close on your home: Complete the closing process to take ownership.
Home-Buying & Mortgage Essentials
Common Real Estate Terms

Understanding the language of real estate is crucial when navigating the home-buying process. Our Real Estate glossary simplifies common terms like escrow, PMI, closing costs, home equity, and more—making complex concepts simple and accessible.
Mortgage Calculators
Use our interactive tools to get a clearer picture of your mortgage options:
- Mortgage Payment Calculator – Estimate your monthly payments.
- Refinance Calculator – Find out if refinancing is a smart financial decision.
Expert Advice & Educational Resources
Blogs & Articles
Stay up to date with helpful insights from real estate and financial experts. Our blog covers topics such as:

"First-Time Homebuyer Tips" – What to expect when purchasing your first home.
"Top 5 Questions About Getting a Mortgage Loan" – Get the answers to the most commonly asked questions.
"Land Loan Solutions" – What to know about land loans.
"Escrow Accounts?" – How they work and why they matter.
Video Library
Watch short, informative videos featuring our mortgage experts.
Mortgage Application Checklist

Ready to apply for a mortgage? Gathering the necessary paperwork before you apply is a smart move. Tracking down documents can take time, but being prepared in advance can help you get to the closing table faster.
Connect With Local Experts
Meet Our Experts
Our experts are here to guide you through the homebuying process and help you find the right mortgage with confidence.
We've Got Answers
Have questions about mortgages, the homebuying process, or refinancing? Submit your question and get expert answers from our team.
Start Your Homebuying Journey
At Radiant Credit Union, we’re here to help you on the path to homeownership with the guidance and tools you need—whether you’re just getting started or ready to make your move. No matter where you are in the journey, we make it easier to take the next step with confidence.
Our Members are Talking
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“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!”
FAQs
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First mortgageLand only loanHome Equity Line of CreditVacation or second home loanSecond mortgageRefinancing
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Our mortgage application checklist shows the documents you will need to apply for a mortgage
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Mortgage interest rates are influenced by a mix of market conditions and individual financial factors.
Market Factors:
- Economic Conditions – Inflation, employment rates, and economic growth impact rates.
- Federal Reserve Policies – While the Fed doesn’t set mortgage rates, its policies influence them.
- Bond Market – Mortgage rates often follow the 10-year Treasury yield.
Individual Factors:
- Credit Score – Higher scores typically qualify for lower rates.
- Loan-to-Value (LTV) Ratio – A larger down payment can lead to better rates.
- Debt-to-Income (DTI) Ratio – Lower debt levels improve mortgage terms.
- Loan Type & Term – Fixed vs. adjustable-rate and shorter vs. longer terms affect interest rates.
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Yes.
