Mortgage Loans

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Call 702-228-2228, option 1

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Get a home mortgage loan with the help of our experts.*

Traditional Mortgage Home Loans in Las Vegas & More!

*Thank you for your interest in a CCCU Mortgage. Our current response time and closing dates are 60 days on refinances and 30-45 days on new home purchases.

Get Started Not a Member? Apply Online

Are you ready to buy?

Get expert guidance and a pre-approval letter here.

  • Do you want a stable, fixed rate of interest on your home loan?
  • Do you want to know exactly what your payment will be every month?
  • Do you plan to remain in your home for 5 years or more?

CCCU offers traditional mortgage home loans in Las Vegas and the State of Nevada. Call 702-228-2228 to speak with one of our home loan representatives.

Get your lowest possible rate!

Use our Mortgage Calculator to review ‘what-if” questions on Banzai's website.

CCCU First Mortgages

Be as happy with your loan as you are with your home.

Whether you're buying your first house or your last, moving up, refinancing, or building credit along with equity, we can help.

Choose the best programs to fit your situation, including:

  • Fixed Rate Mortgage.
  • Jumbo loans.
  • Loans with 1st and 2nd combo.
  • Adjustable rate mortgage programs.
  • FHA/VA/Conventional Loans.
  • Purchases and Refinancing.
  • First-Time Homebuyer Programs.

CCCU's Home Mortgage Loan Officers are also licensed to act as mortgage loan brokers from multiple lenders.

Clark County Credit Union:
Nevada state MLD Lender #3521
NMLS Registry #371854

First-Time Home Buyers

We're here to help you move from renting to owning a home! 

WISH 4-to-1 Program*

Our Wish Program provides low-to-moderate-income individuals and families with a 4-to-1 matching grant to get them on the journey to home ownership. To be eligible, the homebuyer must:

  • Have completed a homebuyer counseling program.
  • Be a first-time homebuyer, as defined by CCCU. 
  • Meet income eligibility guidelines, at the time of enrollment in the WISH Program.
  • Be at or below 80% of the HUD area median income.

Call 702-228-2228 to speak to a Mortgage Loan Officer about the WISH Program today!

*Enrollment in the WISH Program does not guarantee the homebuyer's receipt of program funds. 

Home is Possible

This is an interest-free down payment assistance program of up to 4% of the total loan amount. With its competitive interest rate, homebuyers have more buying power and can use the funds for their down payment and closing costs. To be eligible, the homebuyer must:

  • Be a first-time homebuyer (have not owned a home in the past 3 years)
  • Have a maximum purchase price and income limits by county (Government Loans)
  • Have a minimum credit score of 640
  • Maximum debt ratio up to 50% based on credit score and loan type (talk to CCCU about the guidelines)
  • Live in the home as a primary residence
  • Meet standard underwriting requirements
  • Complete homebuyer education course

Ready to take the first step? Speak to a Mortgage Loan officer at 702-228-2228 today!

Land and Home Construction

You have a dream - we want to help you build it!

We offer an adjustable rate program, and flexible financing plans on land and home construction loans.

Not quite ready to build? We will finance raw land, and parcels with utilities. When completed, we’ll help you roll out of the construction phase into the best long-term mortgage to fit your situation.

Call 702-228-2228 for rates and other details.

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FHA and VA Loans

CCCU offers a variety of home loan programs to fit your situation, including:

  • FHA/VA-approved loans, including first time buyers.
  • Fixed rates.
  • Adjustable-rate mortgage programs.
  • Purchases and refinancing.

CCCU's Home Mortgage Loan Officers are also licensed to act as mortgage loan brokers from multiple lenders.

Please Note: Some first mortgage loans provided by CCCU are not serviced by CCCU. For more information, please ask a representative. CCCU membership is required for government loans; membership is also required for CCCU portfolio loans. CCCU portfolio loans qualify for the Bonus Dividend program when distributed.

Future Income Mortgage Program

If your employment is scheduled to begin under the terms of an employment offer or contract, we may be able to provide a mortgage loan for you. This would apply if you were between jobs or just starting out in your career.

The job offer or contract must:

  • Clearly identify the employer and borrower.
  • Be signed by the employer and be accepted and signed by the borrower.
  • Clearly identify the terms of employment, including position, type and rate of pay.
  • Clearly state start date (no earlier than 30 days prior to the note date or no later than 90 days after the note date).
  • Be non-contingent.

Contact one of our loan officers at 702-228-2228 to get started today!

Fixed-Rate Home Equity Loans

Does your home have equity you’d like to tap into for repairs, remodels, investing, or another expense? A home equity loan will allow you to take out a lump sum of money using your home as collateral.

  • Can be a primary, secondary or investment property.
  • $50,000 or more loan amount.
  • Terms from 5 to 15 years.
  • Minimum 620 FICO

Call 702-228-2228 for rates and other details.

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