- W-2s for last 2 years and paystubs covering past 30 days
- 1040s for last 2 years, if self-employed or receive commission-income
- Two most recent states for checking or other accounts
Getting a home loan with Credit Union of America (CUA) is convenient and easy. We have local underwriters and offer flexible programs to meet your needs.
First Time Home Buyers
Your first home is a big step. We're here to help make it simple.
Buying your first home can feel exciting and overwhelming. At Credit Union of America (CUA), we’re here to guide you with straightforward answers, competitive rates, and support you can count on.
Why first-time buyers choose us:
Flexible Loan Options — Choose from a variety of home loan programs, including options with no down payment, to help you get started with less upfront.
Expert Guidance — Get step-by-step support from local mortgage professionals who make the process easy to understand.
Quick Pre-Approvals — Know what you can afford early in the process so you can shop with confidence.
Competitive Rates — Enjoy low mortgage rates that help keep your monthly payments manageable.
First-Time Buyer Support — We can share details about programs that may help you save money or qualify more easily.
Start your homeownership journey with a team that puts you first.
Home Loans for Your Next Move
Finding the right home starts with the right plan.
Whether you're relocating, upsizing, downsizing, or building your dream home, CUA offers flexible home loan options designed to fit your life. From pre-approval to closing, our team is here to help you understand your options and find the best fit.
Our mortgage experts can help you answer questions like:
- How much home can I afford?
- What will my monthly payments look like?
- What type of loan is best for me?
- What interest rate do I qualify for?
- How much do I need for a down payment?
How to get started:
- Submit your pre-approval application online. Having the following documents on hand will help:
W-2 Forms — Provide the past two years of W-2s and pay stubs from the last 30 days.
Paystubs — Provide paystubs from the last 30 days
Bank/Asset Statements — Share your two most recent statements for checking, savings, or other financial accounts.
Tax Returns — Include 1040s from the past two years if you're self-employed, 1099, or commission-based income.
- Our loan officers will review your application and work with you to find the best loan option for your needs.
- Once you're pre-approved, you're ready to shop. We’ll be here for you through every step of your homebuying journey and beyond.
When you're ready to buy a home in Kansas, we're here to help you get there with confidence.
Refinance
Lower your rate. Free up cash. Get more from your mortgage.
Refinancing can help you lower your interest rate, reduce your monthly payment, or access your home’s equity for things like home improvements, debt consolidation, or major expenses.
Why members refinance with us:
- Lower Monthly Payments —Take advantage of our competitive rates to reduce your payment or interest.
- Interest Savings — Pay interest only on your current balance, not the original loan amount, to save over time.
- Custom Terms — Choose a loan timeline that works for you and your goals.
- Potential Tax Advantages — Some refinancing options may offer tax benefits. Consult your tax advisor for details.
Our mortgage experts can help you answer refinancing questions like:
- Can I lower my current mortgage rate?
- How much could I save each month?
- What are the costs and benefits of refinancing?
- Is a shorter loan term a better fit for me?
- Can I use my home equity to pay for other expenses?
Start your application online or connect with a local lending expert today. We’ll help you explore your options and make the most of your mortgage.
The Simple Pre-Approval Process For Mortgages
- Stop by a branch or click the link below to get started.
- Submit the short application.
- We’ll reach out to you the same day with a loan decision.
Ready to Buy or Refinance your home? Apply now for a quick pre-approval response.
Apply with a Loan Officer