Welcome Home Loans

home with dollar sign icon

Whether you’re a first time home buyer or a seasoned homeowner, HCU can help with your mortgage lending needs. We’re part of your community and right here in your neighborhood. We want to make sure you get the information you need and the home loan that’s just right for you.


Purchasing your first home can be difficult. However, there is plenty of assistance available. HCU is offer a down payment of as low as 5%. Experience low fees and better rates!

Looking at your income, along with the amount of down payment you’ll have, can give you a realistic idea of the price range you should consider. Give us a call and we’ll help you find that magic range. And click below to understand the loan process and what you can expect.


If you are a homeowner, we offer loan options that can help you achieve your goals, realize milestones, or simply consolidate debt to save money.

There are a lot of great reasons to refinance your home, including the fact that you may get better interest rates or lower monthly mortgage payments. You could get cash for home improvement projects, or reduce your loan term. Find out more about refinancing in our education center: Mortgage Refinancing.


Home equity lines of credit (HELOC’s) lets you use the equity in your home in a number of ways. Once a line of credit is opened, draws are made on an as needed basis. The balance can be paid down and re-used multiple times over the life of the line of credit.

A Second Mortgage is a loan with a set amount and most often a fixed interest rate and payment. You can use a second mortgage for home improvements, education, travel and even debt consolidation. In addition, the interest may be tax deductible, consult your tax adviser for questions.


Refinance your current mortgage or purchase your new home with Horizon Credit Union and save thousands of dollars over the remaining life of your mortgage loan.  Our short term, low fixed rate on up to a 30-year loan is designed to meet the needs of those who want to accelerate the payoff of their home.


Buying your first home is an important milestone in your life. Here at Horizon Credit Union, we understand that finding the right financing plan is as important as finding a home that fits your lifestyle.

Horizon Credit Union is committed to providing accessible and feasible financial resources and mortgage products to first-time homebuyers. When you are ready, contact one of our knowledgeable mortgage loan officers to determine if you are eligible for a Home$tart grant and to begin your application process.


HCU offers a variety of different mortgages. Starting at 10 years, 15 years, 20 years, and 30 years.

Transaction TypeAPR* as low as
First MortgageContact us today at 801.939.9058
Home Equity Line of Credit (Variable Rate)Contact us today at 801.939.9058
Home Equity Loan (Fixed Rate)Contact us today at 801.939.9058

*APRs (Annual Percentage Rate) are accurate as of today and are subject to change at any time without prior notice. Please contact HCU for current rates.  Loan rates are ‘as low as’ and are based on member eligibility, credit history and term of loan. Rates are subject to change at any time without prior notice. Restrictions may apply.

First Time Home Buyer

If you’re a newbie to the world of home loans, check out the resources and information we have for first-time home buyers. You can familiarize yourself with the process, learn about one-time vs. ongoing costs, and find out how to improve your credit rating before you apply for a loan.

A lot goes into getting a loan for your dream home.  Take our CONSIDERING HOMEOWNERSHIP COURSE and look for your first home armed with knowledge and confidence.

We also offer financial education for buyers that will familiarize you with the process and help prepare you for home ownership.

The Loan Process

There are a lot of things to think about when you are getting ready to buy a home. Questions like, “Am I really ready to buy a home?” or “How much mortgage can I afford?” are common, as are concerns about the amount of documentation you will need to provide with your mortgage application. But the silver lining is: we do this every day.  You can rest assured knowing we will help make the process easy and understandable for you. Knowledge is power and being an informed buyer will give you the power to find the home you want with a loan to get you there. Find out what you’ll need before you apply for a home loan using our Considering Homeownership and Mortgage education modules. When you have all of the materials listed on the Purchase Checklist gathered, just follow these simple steps for getting pre-qualified for a home loan.