CCCU First Mortgages
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
CCCU First Mortgages
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
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.
Apply Now
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.
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.
Apply Now
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.
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.
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.
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 may 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.
- Minimum 620 FICO.
First-Time Home Buyers: 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 FHLBSF.
- Meet income eligibility guidelines, at the time of enrollment in the WISH Program.
- Be at or below 80% of the HUD area median income.
First-Time Home Buyers: 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.
- Have a minimum credit score of 640.
- Have a 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.
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 may 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.
- Minimum 620 FICO.
First-Time Home Buyers: 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 FHLBSF.
- Meet income eligibility guidelines, at the time of enrollment in the WISH Program.
- Be at or below 80% of the HUD area median income.
First-Time Home Buyers: 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.
- Have a minimum credit score of 640.
- Have a 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.
Your Dream Home Is Within Reach
Connect with a mortgage lender or start your online application today.
TruHome Servicing Frequently Asked Questions
Please contact TruHome at 877-204-0569.
TruHome Solutions is a mortgage banking company formed in 2004. THS provide several financial services, including mortgage servicing. THS focuses on providing services to credit unions and supports more than 50 credit unions and regional banks nationwide. THS oversees a loan portfolio of more than 70,000 loans totaling $11 billion.
No, THS will be a vendor of the credit union with no ownership.
No, the credit union will have no ownership in THS.
Because THS focuses its business on assisting credit unions and small to midsize banks, the credit union’s management team believes the level of member service and loan product opportunities will increase for our members. THS has a reputation throughout the mortgage industry for the standard of service and personal attention that members of credit unions receive.
We expect the impact on our members to be minimal. Your loan number will remain the same and you will still be able to make payments in the same way you did prior to this change. You may need to redirect your automatic payments if you pay your mortgage from another institution, and you will have to update your automatic debit form if you pay electronically from your Clark County Credit Union account.
If you need assistance with your mortgage, you can continue to call the phone number on your mortgage statement. Once your loan is transferred, that phone number will change, but you will still be able to obtain assistance as in the past by calling the customer service line on your statement.
It will be necessary for you to redirect the payee from “Clark County Credit Union” to “TruHome Solutions” before you make your October 1, 2024, payment. As a national servicing company, TruHome will probably be on your other financial institution’s list of payees who accept electronic payments. If this is not the case, you can set up the account using the address below:
TruHome Solutions, LLC
P.O. Box 219958
Kansas City, MO 64121-9958
TruHome will accept payments over the phone and there is no charge for this service. You can reach the payment center by calling 866-217-6113.
It will be necessary for you to re-establish that arrangement with TruHome Solutions. Your Welcome Letter from TruHome will include the form authorizing TruHome Solutions to debit the account you designate for future payments.
Disclosures
*Enrollment in the WISH Program does not guarantee the homebuyer's receipt of program funds.
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.
