Credit Union of America - Home Loans in Wichita, KS

Flexible-Rate Loans

CUA's Flexible-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 Flexible-Rate loans.

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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.*

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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!

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Residential New Construction Loan

Build your dream home with Credit Union of America's low rate, interest only payments during construction.

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Federal Housing Administration (FHA) Loan

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

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Veterans Affairs (VA) Loan

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

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Rural Development Loan

Finance up to 100% of the purchase price with this fixed-rate government home loan.

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Lot & Land

Secure a residential lot or piece of land to later build your home. Buying now with a Lot & Land Loan allows you to use the land equity for a down payment on a construction loan when it comes time to build.

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Retire My Mortgage

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

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

2024 FHLB funds have been exhausted. Please check back in 2025.

Homebuyers can receive up to $15,000 for their new home if they meet the criteria laid out by the FHLB Affordable Housing Program.

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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.

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HELOC

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

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