Mortgages


You’re thinking about a new home. We’re thinking about you.
 No two households’ financial needs are the same. You can trust that East Coast Credit Union is going to give you advice tailored to your specific financial situation and that you will walk away with a plan to get you on the right path toward managing your mortgage and savings goals for the future. When you combine a great rate with a financial partner who is invested in your success, you’re one step closer to making your dream a reality.



MORTGAGE OPTIONS
With more than one type of mortgage, you have flexibility and choice. Our mortgages are designed to meet your needs and our knowledgeable, friendly staff will guide you through the mortgage process.

First Time Homebuyers - there is a lot to learn before you make the leap into home ownership and we can help you figure out where to start.

Home Equity Loans - allows you to take full advantage of changing interest rates.

Closed Mortgage - save money with open prepayment option after 1st year.


Features of an East Coast Credit Union Mortgage:

  • Fixed and variable rate mortgages are available.
  • Flexible repayment terms to suit your cash flow.
  • Peace of mind with fixed rate terms from 6 months to 5 years.
  • Variable rates are available with a capped rate option.
  • With an open mortgage, you will have flexibility to pre-pay with no interest penalties.
  • Very competitive rates.
  • Pre-approvals available, so you will know what you can afford.
  • Convenient pre-payment options available, including double your payments.
  • Amortizations to 25 years.
  • Low cost life and disability insurance

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Expert Articles
Whether you’re just getting started or are fully immersed in the pursuit of home financing information, these links will help you educate yourself on programs, expert tips and go-forward strategies that will serve you well on your home-ownership journey.

Making Your Dream Home A Reality
A program that can bring your dream home within reach. Learn more.

Tips for Maintaining Your Home
Find tips and ideas that help you avoid getting stuck with unexpected costs. Learn more.

Is Home Ownership Right for You?
Find questions that will help you discover your answer. Learn more

The Real Home Financing Cost Checklist
Use this easy checklist to help you consider all the costs of home financing. Learn more.

How Does Your Down Payment Impact Your Mortgage Options?
Your down payment will impact the type of mortgage you qualify for.  Learn more.

How Can You Save Money?
Discover strategies to help you pay off your mortgage faster, saving you money. Learn more.

Learn the Mortgage Basics
Conventional Mortgage or High Ratio Mortgage? We compare features and benefits. Learn more.

Looking to Renovate?
Which is best for you? Refinancing or Home Equity Line of Credit. Learn more.

Meeting Checklist
Be prepared for your meeting with a mortgage specialist with this handy checklist. Learn more.

Make the Most of Investing In a Home
Find programs that could offer you incentives when buying or renovating. Learn more

 

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