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Mortgages

From first home to forever home – we've got you covered. 

You'll feel right
at home with us

  • Low down payment options
  • FHA, VA, and new construction loans
  • 1:1 support from consult to closing

Are you in the market for a new home or ready to build the home of your dreams? Or, maybe you want to refinance your existing mortgage. Our local mortgage experts are here to help you navigate the process.

New home purchase

You buy the home. We'll provide the loan.

Refinance your home

Lower your monthly payments, change the term of your current mortgage, or get cash out to use for a home project or other expenses.

Build a new home

You choose the floorplan. We'll finance your dream home, with extended rate lock options.

Current specials

Pay as little as $0 in closing costs1

Whether you're purchasing a home or want to refinance, we have flexible loan options with closing costs as low as $0.

Start your application

Explore competitive rates and flexible loan options

Borrow with confidence, our competitive rates and flexible loan solutions are designed to meet unique financial situation.

Find Your Match: Fixed vs. Adjustable-Rate Mortgages (ARM)

Deciding whether a fixed or adjustable-rate mortgage (ARM) is right for you depends on several factors, including your tolerance for risk, how long you plan to stay in your home, and current market conditions. 

Discover the difference

Loan options

  • Conventional: This is the most common loan, available with a down payment as low as 3%. Conventional loans typically require a solid credit score and lower debt-to-income ratios.
  • FHA: A Federal Housing Administration (FHA) loan is backed by the government and are popular among first-time home buyers because they offer lower down payment options, as little as 3.5%. FHA loans have lower minimum credit score requirements and provide opportunities for borrowers with higher debt-to-income ratios.
  • Jumbo: This is the option for you if you’re shopping for a luxury home with a purchase price exceeding the conforming loan limit ($832,750.00).
  • VA loans: A flexible, low-interest mortgage for members of the U.S. military (active duty and veterans) with no minimum down payment requirement.
  • Doctor loans: A loan tailored for medical professionals with flexible down payment options and up to 100% financing available. No private mortgage insurance (PMI) required and higher debt-to-income ratios allowed.
  • Construction loans: Offering one-time close construction loans with flexible terms, designed to help you finance the building of your new home. Use this type of loan is when you, the borrower, are financing the project.
  • Extended rate-lock program: Get a 6- or 12-month extended rate lock option for new construction loans, when the builder is financing the project. 

Personalized mortgage solutions

  • Quick pre-qualification
  • Work with a team that knows the local market
  • Low closing cost and rate reduction options
  • No required escrow account
  • Flexible payment options including principal-only and escrow payments
  • No prepayment penalties

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Home Equity Line of Credit
Is your current home not checking all the boxes? While moving is an option, you can also leverage equity to turn it into your dream home. Whether it's a kitchen upgrade or an addition, tackle renovations for less with an affordable, low rate.
More details

Ready to take the first step?

Have any questions? Our team of local lending experts is on hand to provide 1:1 support and personalized guidance!

Request more information

Complete this short form and we'd be happy to get in touch with you.

Give us a call

Let's connect! Contact us by phone at: 513.577.8981

 

Apply online

Ready to get the ball rolling? Submit your application to get prequalified with us.

Crunch the numbers

Select a calculator to get started.

FAQs

When applying for a mortgage with GECU, you'll need to provide documents such as proof of income (pay stubs, tax returns, or W-2), bank statements, identification, and information about your current debts and assets. Our mortgage team will provide you with a detailed checklist to help you gather all necessary documents.

Check out our Money Minutes Blog to map out the home buying process.

Mortgage rates fluctuate based on market conditions. To get the most current mortgage rates, please submit an inquiry or contact us at: 513.577.8981. We'll work with you to secure the best possible rate for your loan.

A great first step in the home buying process is to get pre-qualified as it helps you understand how much you can afford and demonstrates to sellers you are a serious buyer. To get pre-qualified, you can submit your application online or contact us at: 513.577.8981.

You can make principal-only payments from a GECU checking or savings account, after your current month’s payment has been satisfied.

  • To make a payment in Online Banking, select Manage Loan Payment, select your from/to accounts and choose principal-only or escrow from the drop-down menu.
  • To make a payment using our mobile app, tap Pay & Transfer and then Manage Loan Payments, select your to/from accounts, and then choose principal-only or escrow from the drop-down menu.

If you wish to make a principal-only payment from an external account at another financial institution, you must first make a deposit to a GECU checking or savings account. Once you have the deposited the funds to a GECU checking or savings account, you can set up a principal-only payment following the steps outlined above.

Please note: When making a deposit to a GECU account, our Funds Availability Policy applies.

Money Minutes Blog

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The One Big Beautiful Bill Act (OBBBA), signed into law in early 2025, introduces a mix of temporary and permanent changes that will shape how Americans save, spend, and plan for the future.
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Mapping the Homebuying Process from Start to Finish

The homebuying process involves preparing your finances, getting pre-approved, finding the right home, making an offer, securing a mortgage, and closing the deal to officially become a homeowner. Learn more about each step in our visual guide. 

Read more

Financial institutions aren't all the same

At General Electric Credit Union, the big difference is we focus on improving people's lives, not padding our profits.

The credit union difference