Strong roots start with the right home loan.
We understand your community—its neighborhoods, its culture and what it means to call it home. Our home loans are built to help you grow right here.
Prefer to speak with a home loans advisor first?
We’re available Monday–Friday from 8:30 AM to 5:30 PM and Saturdays from 9:00 AM to 12:00 PM at 800-688-7228.
Helping you grow, from the foundation up
Family, memories, traditions—they all need a place to take root. We’ll help you finance a home where your life can truly flourish. Whether you're buying your first home or putting down deeper roots, we’ll help you find the right mortgage to support your future and your financial health.
Why buy your home with a loan from Credit Human?
Fixed rate mortgage up to 30 years
Lock in a fixed rate so your payment stays consistent. Plan for your bills with confidence and enjoy long-term stability.
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Buy a home with little to no down payment
Qualify for up to 100% financing on your mortgage. Keep your savings intact while still moving forward with homeownership.
No prepayment penalties
Make extra payments or pay off your loan early without fees. Stay flexible and save on interest when it works for you.
Avoid Private Mortgage Insurance (PMI)
Reduce your monthly costs with no PMI on approved loan types. More of your payment goes toward your home, not insurance.
Our commitment to you
Clear guidance. Real conversations. Home financing designed for you.
Buying a home comes with a lot of decisions, but it shouldn’t come with confusion. We’re here to walk you through your options, answer your questions and help you feel confident about what comes next. Whether you’re just getting started or ready to move forward, we take the time to understand what matters most to you, including your spending plan, goals and timeline, so your loan fits your life, not the other way around. At Credit Human, being a credit union means putting people first. Our focus is helping individuals and families make thoughtful financial choices that support long-term stability.
It’s a more personal way to finance a home—built on trust, transparency and support you can rely on from application to closing and beyond.
Ready to take the next step toward homeownership?
Getting started is easier than you think. Whether you’re ready to apply or just want to see what you qualify for, we’ll guide you through each step with clarity and support.
Current home mortgage rates
| Up to 15 years | 5.630% | 5.760% | $50,000 | $832,750 |
| 30 years | 6.150% | 6.230% | $50,000 | $832,750 |
Rates are effective as of June 3, 2026
Credit Human lending areas include the states of Colorado, Louisiana, North Carolina and Texas. Rates are subject to change without notice. Rates may be locked only after your completed loan application is received. This information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money. The APR reflects not only the interest rate but also the points, mortgage fees and other charges that you have to pay to get the loan.
Disclosed rates are based on a purchase of $225,000 loan amount, FICO of 780+ with a maximum loan-to-value of 75%.
Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.