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Mortgages & Home Loans

Getting a home loan or home equity line of credit (HELOC) with Credit Union of America (CUA) is convenient and easy. We have local underwriters and offer flexible programs to meet your needs.

  • Adjustable-Rate Loans

    CUA's Adjustable-Rate Mortgages are home loans with an initial low interest rate that can change after a period of time. Generally, the initial interest rate is lower than that of a comparable fixed-rate mortgage. After the initial period ends, interest rates — and your monthly payments — can go lower or higher. We offer 5/1 and 7/1 ARM loans. 

  • Conventional Loans

    With flexible options such as 10-, 15-, 20-, and 30-year fixed rates, securing a home loan with Credit Union of America is convenient, easy, and friendly. We're your one-stop shop for purchases, new home construction, and land/lot financing. Local underwriters will help you choose the best loan for you! 

  • Zero Down No PMI

    Purchase a home without months of saving. With zero dollars down, nothing is preventing you from receiving a home loan today and paying it off with manageable monthly payments. Fixed rate products include 15-year, 20-year, and 30 year options.* 

  • 3% Down Payment Loan

    Buy your home with just 3% down.* We’ll cover the other 97% now, and you’ll pay it off with fixed monthly payments you can handle over the years.

  • Federal Housing Administration (FHA) Loan

    You could be eligible for this government-backed mortgage with as little as 3.5% down.

  • Veterans Affairs (VA) Loan

    If you’re a qualified veteran, this could be the best option for your home loan.

  • Rural Development Loan

    Finance up to 97% of the purchase price with this fixed-rate conventional home loan.

  • Retire My Mortgage

    The flat closing cost is just $299 for this standard 10-year mortgage.


    Get quick access to funds for the planned or unplanned moments in your life by leveraging the equity of your home.

  • Federal Home Loan Banks’ (FHLB) Homeownership Set-Aside Program Grant

    First-time homebuyers can receive up to $7,500 for their new home if they meet the criteria laid out by the FHLB Affordable Housing Program.

Estimate Your Payments

Use our convenient calculators to estimate what your monthly mortgage payments might be or determine the HELOC amount you may qualify to receive.

Calculate Your Mortgage  Calculate Your HELOC

Online Mortgage Portal

Manage your mortgage through Members Mortgage Services online portal.

Get Started

Meet Our Mortgage Team

Ernie Warren

Ernest Warren
VP Real Estate Lending 
Work: 316.247.5544
Mobile: 316.252.9276
NMLS ID# 522135

Mitch Crouch

Mitch Crouch
Director of Real Estate Business Development
Work: 316.265.3272, ext. 520
Mobile: 316.651.6776
NMLS ID# 45463

Heather Baker

Heather Baker
East 21st
Work: 316.219.5173
Mobile: 620.340.7608
NMLS ID# 1485830

Easton Fry

Easton Fry
Work: 316.719.4022 
Mobile: 316.519.5905
NMLS ID# 1740814

Kathy Gomez

Kathy Gomez
Work: 316.265.3272, ext. 616
Mobile: 316.305.1327
NMLS ID# 1017617

Pam Hildebrand

Pam Hildebrand
Work: 316.219.5118
Mobile: 316.305.7050 
NMLS ID# 476981

Heather Lamb

Heather Lamb
Great Bend
Work: 620.792.2554, ext. 254
Mobile: 620.292.7045
NMLS ID# 942384

Austin Robinson

Austin Robinson
Work: 316.219.5185
Mobile: 316.210.8667
NMLS ID# 476982

Brandy Warren

Brandy Warren
Work: 620.663.1566, ext. 29
Mobile: 620.694.0942
NMLS ID# 1777700