Your Home. Your Future
Turn your homeownership goals into reality with a wide range of home loan options from Cyprus Credit Union.
Our experienced mortgage team is here to make the home loan process easy, so you can find the mortgage options that best fit your needs.
Why choose Cyprus Credit Union for home loans?
Competitive Rates – Save money over the life of your loan with lower rates and less fees.
Local Guidance – Our mortgage experts understand the local housing market, giving you a personalized homebuying experience.
Faster Closing – We aim to make the process as stress-free as possible, helping you close on your new home in less time.
Flexible Qualification – We can help a variety of borrowers secure their loan with more loan options.
How can we help?
As your mortgage partner, our experienced home loan advisors are here to help, wherever you are in your homebuying journey.
I want to buy a home
Ready to get the keys to your new home? We offer a wide range of mortgage options tailored to your needs.
I want to refinance
Want to lower your rate or shorten your term to save on payments? We can help refinance your mortgage, with cash-out and rate conversion options available.
I want to use my home's equity
Tap into your home's value with home equity loan options that get you a revolving line of credit or a lump sum payment to consolidate debt, make renovations, and more.
I want to build my dream home
Did you find the perfect plot of land or want to build your home your way? Explore construction and lot loan options customized to your building plans.
First Mortgage Rates
| Mortgage Type | Term | APR as low as |
|---|---|---|
| View current first-mortgage rates and get a personalized quote. | N/A | See Rates |
First-mortgage rates vary by scenario. View current rates and get a personalized quote through Cyprus Credit Union's mortgage quote experience.
Home Refinance Loans
| Mortgage Type | Term | APR as low as |
|---|---|---|
| Short & Sweet Mortgage | 10 Year | 6.375% |
| Short & Sweet Mortgage | 15 Year | 6.625% |
| Cash-Out Refinance | See First Mortgage Rates | See Rates |
Rates are subject to change. Published terms describe an owner-occupied refinance with maximum 80% LTV, minimum 680 FICO score, and the displayed maximum loan qualification.
Second Mortgage
| Mortgage Type | Term | APR as low as |
|---|---|---|
| Fixed Rate 2nd Mortgage | 10 years | 6.49% |
| Fixed Rate 2nd Mortgage | 20 years | 6.99% |
To apply, please call 801-260-7600 ext. 5330 or contact us at homeequity@cypruscu.com .
Home Equity Line of Credit
| Mortgage Type | Term | APR as low as |
|---|---|---|
| HELOC | N/A | 6.75% |
The promotional APR applies for the first six months; the standard APR applies after the promotional period.
Construction & Lot Loans
| Mortgage Type | Term | APR as low as |
|---|---|---|
| Construction Loan | Up to 12 months | 6.5% |
| Construction Loan | 12 month construction period | 6.625% |
| Improved Lot Loan | 30/5 | 6.5% |
| Improved Lot Loan | 10 Year Fixed | 6.99% |
Call a Construction Loan Officer at 801-260-7600 ext. 5340 for more information. Contact us at construction@cypruscu.com. Prime interest rate = 6.75% Historical Prime Rates
Explain the application process in simple steps
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Guidance & support
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What you may need
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See What Real Homebuyers Are Saying / Meet the Mortgage Team
Work with our experienced mortgage team to find the right home loan options for you today.
Cross-link to related products
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Frequently Asked Questions
Use
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- Make sure the icon is clearly communicating there is more content
- Don't put too much content in the accordion. If there is too much, then the content might deserve it's own page.
Accordions
Be careful using accordions. They are known to shorten pages, yet they come at a higher interaction cost. Accordions are great for FAQs. Here is a UX checklist:
- Make sure the icon is clearly communicating there is more content
- Don't put too much content in the accordion. If there is too much, then the content might deserve it's own page.
Wisely
Be careful using accordions. They are known to shorten pages, yet they come at a higher interaction cost. Accordions are great for FAQs. Here is a UX checklist:
- Make sure the icon is clearly communicating there is more content
- Don't put too much content in the accordion. If there is too much, then the content might deserve it's own page.
Ready to Explore Home Loans?
Work with our experienced mortgage team to find the right home loan options for you today.
We're committed to helping you with your mortgage needs, with the lowest fees and the quickest keys, to save more on your forever home.
Contact our Mortgage team at 801-260-7605 or mortgages@cypruscu.com.
