Home Mortgage Loans
- Ecobee Smart Thermostat
- Ring Doorbell with Video
- Electric LED Security Floodlight with Camera
- Smart Deadbolt & Fingerprint Keyless Entry Lock
- OVER $400 IN VALUE
Plus, after closing on your new mortgage, apply for and fund a vehicle loan by 12/31/2026, and you'll receive $250 cash back.
Our home mortgage loans feature excellent rates, and the assurance that SWACU will have your back through the life of the loan. We offer a variety of mortgage programs — let us help you find the perfect one today!
If you have mortgage questions or need to submit individual documents for your application our Mortgage Team will be happy to help. Text us at 972-616-7992 or call us at 1-800-262-5325, Monday-Friday, 8:30am - 5:00pm CST. We're also available via email at [email protected].
Safeguard your new home with a FREE 12-month home warranty.
Promotion valid 2/2/26-5/29/26. Mortgage applications must be received by 5/29/26. Members who close a new mortgage on or before 8/31/26 are automatically entered to win one of four Smart Home Starter Kits. No purchase necessary: alternative entry available. Odds depend on number of entries. Members who close a new mortgage by 8/31/26 and fund a new vehicle loan by 12/31/26 are eligible to receive $250 cash back Cash back depos?ed within 30 days of auto loan funding: limit one per member. Existing SWACU auto loan refinances excluded. Membership required to participate and credit approval required. Terms and conditions apply. Promotion may change or end without notice. Insured by the NCUA. Equal Housing Lender. For more info go to swacu.org. Membership required to participate.
*Eligibility rules require loans to have mortgage insurance coverage from Arch Mortgage Insurance Company, United Guaranty Residential Insurance Company or Arch Mortgage Guaranty Company (collectively “Arch MI”). Enrollment is available for up to 60 days after closing date.
- Competitively low rates for home purchase or refinance
- Available for primary residence, second homes, or vacation homes
- A wide range of terms customized to your unique situation
- A wide range of financing programs available
- Helpful loan advisors that will walk you through the process, step-by-step
- Free pre-approval for extra confidence when it comes to securing financing
- Refinance your current home to potentially lower your rate
- Quick decision-making and processing
- Attentive, friendly service from start to finish
Visit our Mortgage Web Center to check rates, get a quote, and start the application process!
SWACU partners with Member First Mortgage to offer VA and FHA loan options. Not sure if this is the right loan product for you? Talk to one of our Mortgage Specialists!
If you are looking to purchase a home:
Proof of income:
- W2 income, the most recent 30 days of paystubs with year to date earnings on stubs along with the prior 2 years W2’s
- Self-Employed income, the most recent 2 years of tax returns with all schedules and attachments
- Retirement income, Social security form SSA-1099, award letter
- Pensions, 1099-P, award letter for pension
- Child support/alimony – divorce decree
- Disability – will be determined upon review of your application
Assets:
- Asset statements – the most recent 60 days of statements (assets include your down payment, closing costs and/or monthly reserves)
- If you listed your SWACU account for your assets, you do not need to send your SWACU statements
Proof of Homeowners insurance:
- Declarations page from the homeowners insurance policy (submit during the processing stage of your application)
*Other documentation may be required upon review of your application.
If you are looking to refinance a home:
Proof of income:
- W2 income, the most recent 30 days of paystubs with year-to-date earnings on stubs along with the prior 2 years W2’s
- Self-Employed income, the most recent 2 years of tax returns with all schedules and attachments
- Retirement income, Social security form SSA-1099, award letter
- Pensions, 1099-P, award letter for pension
- Child support/alimony – divorce decree
- Disability – will be determined upon review of your application
Assets:
- Asset statements – the most recent 60 days of statements (if you included assets on your application)
- If you listed your SWACU account for your assets, you do not need to send your SWACU statements
Mortgage:
- Most recent mortgage statement
Proof of Homeowners insurance:
- Declarations page from the homeowner's insurance policy
*Other documentation may be required upon review of your application.
