Loan Options
At Directions Credit Union, we offer a variety of home loan solutions to meet your needs—whether you're buying, building, or refinancing.
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Purchase Loans
Ready to buy your next home?
Whether it’s your first or fifth, I’ll help you navigate the loan process with clarity and confidence.
Benefits:
Competitive fixed and adjustable rates
Low down payment options available
Fast, local loan approvals
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Refinance Loans
Looking to lower your monthly payment, reduce your interest rate, or tap into your home’s equity?
A refinance may be the right move.
Benefits:Potentially lower your interest rate
Access cash for renovations, college, or debt consolidation
Shorten your loan term for faster payoff
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Construction Loans
Building your dream home?
Our one-time close construction loans simplify the process with one application, one approval, and one closing.
Benefits:
Interest-only payments during construction
Seamless transition into permanent financing
Local support every step of the way
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First-Time Homebuyer Programs
Buying your first home is a big step—we’re here to make it easier.
We offer loan options designed specifically for first-time buyers.
Benefits:
Low down payment programs
Flexible credit and income guidelines
Education and step-by-step guidance throughout the process