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Home Loans

Buying a New Home?

Accentra Credit Union offers a full line of mortgage loans with competitive rates, flexible terms, low down payment options, and low closing costs. Our programs include fixed rate and balloon loans with varying terms. 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 or apply online 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.

With Accentra Credit Union you’ll pay lower closing costs, so you don’t have to cover it all. That’s Simply Better Banking. 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.

With Accentra Credit Union you’ll pay lower closing costs, so you don’t have to cover it all. That’s Simply Better Banking. We finance 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.

With Accentra Credit Union you’ll pay lower closing costs, so you don’t have to cover it all. That’s Simply Better Banking. We finance owner-occupied, single-family units, as well as vacation homes.

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.

You can now apply for a mortgage loan online!

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 Williams
NMLS #565562	NMLS #648920	NMLS #649049	NMLS #1788275

Mortgage Calculator

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

Annual Payments

Years

$200,000

Loan Amount

$1,043

Monthly Payment

$175,586

Interest to be paid

Sep 2053

Payoff Date

Home Price

Down Payment

($50,000)

Loan Term

Interest Rate

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