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Real Estate Loans


Buying a home may be the largest, and most exciting, purchase you make in your life. With such an important purchase, it’s critical to work with a lender you can trust to find the best mortgage for your needs and walk you through each step of the process. We have partnered with a local Credit Union Service Organization, Centennial Lending, to provide you with a variety of mortgage options.

  • Conventional, FHA and VA Loans
  • Terms up to 30 years

You can get a customized rate quote or apply online anytime, from the convenience of home.

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Home Equity Loan

When you need to borrow funds for a large expense, you can tap into the equity in your home to borrow at a much lower rate than with a traditional, unsecured loan.  You'll benefit from a fixed rate with a fixed monthly payment.  Home Equity Loans can be used for:

  • Home Improvements and Renovations
  • Debt Consolidation
  • Medical Expenses
  • Tuition or Educational Expenses
  • Travel or Vacation

With a WFCU Home Equity Loan, you can borrow up to 95% of the available equity in your primary residence, with extended terms up to 180 months ($10,000 minimum).

Call or stop by to apply for a Home Equity Loan.

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Advantage HELOC

Our unique Advantage HELOC is like a traditional Home Equity Line of Credit; but because the lien is in first position (there is no outstanding first mortgage), this line offers discounted rates. Draw funds against your line as needed, and only pay interest on the amount borrowed.
  • Choose from 10, 15 or 20-year term
  • Fixed-rate line of credit
  • Lines up to $250,000, max 75% of equity
  • Minimum $10,000 draw at opening

Call or stop by to apply for a HELOC.

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There is no escrow with this HELOC, taxes and insurance must be paid directly by homeowner.

The National Mortgage Licensing System & Registry (NMLS) was created at the direction of federal banking regulators to fulfill the registration requirement of federally chartered or insured institutions and their mortgage loan originators in compliance with the Consumer Financial Protection Bureau’s rules and the Secure and Fair Enforcement for Mortgage Licensing Act (“SAFE Act”).

Westminster Federal Credit Union and the listed employees are registered with the NMLS:

Westminster Federal Credit Union;  NMLS ID# 968168

Catrina Lawrence, Loan Officer;  NMLS ID# 2273350

Irene Milow, Loan Officer;  NMLS ID# 2277262

Megan Thomas, CEO;  NMLS ID# 1438204

  • Auto Loan

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  • Money Market

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  • Share Certificates

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