Page Title

Home Loans

Buying a New Home?

Accentra Credit Union offers a full line of mortgage loans with competitive rates, flexible terms, down payments as low as 0%, and low closing costs. Our programs include fixed rate loans with terms ranging from 5 up to 30 years. Financing is available for your primary residence, second home, residential lot loan, investment property, or construction loan needs. Refinancing options are also available.

Mortgage programs include: Conventional, FHA, VA, USDA (Rural Development) & Jumbo Mortgage loans.

If you are purchasing a new home, refinancing, buying a lot or building a home, give us a call today. The application process is fast and easy. To set up your appointment call 507-433-1829 or 800-533-0448.

Building your Dream Home?

Building your new home is exciting and Accentra is here to help! Our process includes a one-time construction closing option saving you both time and money:

Our single approval process combines the home construction loan and the permanent loan financing into one loan.
Our one-time closing option means you save money by paying reduced closing costs.

Home Equity Loans

Accentra Credit Union also offers Home Equity loans that allow you to borrow against the equity in your home.

Whether you are thinking about home improvements, a new vehicle, college education, debt consolidation, or any unexpected expense, use the money available in your home today by applying for a low interest rate Home Equity Loan.

Accentra Credit Union pays for all normal closing costs. Financing is available on owner occupied , single-family units, as well as vacation homes. Our Home Equity Loan options include:

Our Home Equity Loan options include:

Home Equity Line of Credit (HELOC) Loan
Fixed Rate Home Equity Loan

HELOC Loans - Borrow today, and again in the future!

What is a HELOC? Read this educational article on how it works...

A Home Equity Line of Credit gives you quick access to the cash you need! Repaid funds become available again without the need to reapply for a new loan. And, once your credit line is approved, advances can be made online or by visiting our office. Qualified members may borrow up to 100% of the value of their home, less any outstanding mortgages.

The dishwasher dies. You come home to a leaky water heater. Unexpected expenses are hard to budget for, but we can help with a Home Equity Line of Credit (HELOC) loan.

Accentra pays normal closing costs and finances owner-occupied, single-family units, as well as vacation homes.

Fixed Home Equity Loans

Our Fixed Rate Home Equity Loans are best suited for a specific purpose such as building a new addition or other large home improvement projects, paying for college, a dream wedding or vacation, or even debt consolidation. The interest rate and payment are fixed for the entire term of the loan giving you peace of mind that your payment will never change.

Home Improvement Loans

Remodeling, siding, or needing a new furnace or AC unit? Our home improvement loan is perfect for those projects up to $10,000. Our application process is fast and easy! And, our Home Improvement Loan allows you to spread out the payments for your project over a longer period of time making it easy and affordable! You don't need separate loans for the plumber, electrician, and lumberyard -- you can consolidate everything into one monthly payment.

Our lending team looks forward to helping you with all of your financing needs. Call 507-433-1829 or 1-800-533-0448 to set up an appointment.

Tracy Cromwell	Brad Hjellming	Barry Fett	Anita Perkins
NMLS #565562	NMLS #648920	NMLS #649049	NMLS #1788275

Mortgage Calculator

Adjust the inputs to see how much your mortgage would cost over time.

Home Price

Down Payment

($50,000)

Loan Term

Interest Rate

Annual Payments

Years

$200,000

Loan Amount

$1,043

Monthly Payment

$175,586

Interest to be paid

Jun 2052

Payoff Date

^Disclaimer

^{While we hope you find this content useful, it is only intended to serve as a starting point. Your next step is to speak with a qualified, licensed professional who can provide advice tailored to your individual circumstances. Nothing in this article, nor in any associated resources, should be construed as financial or legal advice. Furthermore, while we have made good faith efforts to ensure that the information presented was correct as of the date the content was prepared, we are unable to guarantee that it remains accurate today.

Neither Banzai nor its sponsoring partners make any warranties or representations as to the accuracy, applicability, completeness, or suitability for any particular purpose of the information contained herein. Banzai and its sponsoring partners expressly disclaim any liability arising from the use or misuse of these materials and, by visiting this site, you agree to release Banzai and its sponsoring partners from any such liability. Do not rely upon the information provided in this content when making decisions regarding financial or legal matters without first consulting with a qualified, licensed professional.}