In the past, finding the right home loan meant finding time to research different loan options, filling out a long application, and waiting for an answer. Now, in the time it takes to pop a bag of microwave popcorn, you can get a firm loan approval by using our new online mortgage application. CU Members Mortgage is our online mortgage consultant available 24 hours a day that delivers an answer in minutes. Not weeks. Not days. Not even hours. Minutes!

Online calculators let you run different financial scenarios to help you determine just the right loan or refinancing option. You can figure out what you can afford, what your payment and interest would be with different terms, even get estimated closing costs without ever leaving your home or office. We provide a complete glossary of mortgage terms in easy-to-understand language so you have the information you need to make wise mortgage choices, when you need it. You can even sign up for "Rate Tracker" which notifies you via email when the interest rate or payment you are seeking becomes available. While Rate Tracker does not lock in a rate, it does give you up-to-the-minute information on interest rate changes.

Once you decide which loan best fits your lifestyle, there's an information checklist to help you gather all the financial information needed for the application. To apply online, all you have to do is answer a few simple questions about yourself and co-borrower if there is one, your property, and your income debts and assets. A private password allows you to save information between visits, although the process is so simple you can easily complete the entire application in less than 15 minutes. All information is encrypted using the most sophisticated technology available.

Next, submit your application and in approximately 3 minutes, you have your answer. If approved, you can even print an approval letter right from your computer to take to builders, sellers and realtors the same day, giving you valuable negotiating power.

When you've been approved, a mortgage representative will contact you within one business day to obtain any further documentation and to begin processing the loan. We will help you prepare everything you need for closing.

To take advantage of our online mortgage approval service, visit CU Members Mortgage.