REAL ESTATE LOANS

Do you offer mortgages on non-owner occupied homes?
Yes, we offer mortgages on non-owner occupied homes.
Wed, 3 Dec, 2025 at 12:51 PM
Do you sell your 1st mortgage loans?
The credit union retains a very high majority of its 1st Trust Deed loans. However, we have the option to retain or sell the servicing of the loan.
Thu, 23 Feb, 2023 at 10:58 AM
Do you service your 1st mortgage loans?
Currently we retain and service all EECU products; however, we have the option to sell the servicing. We offer first-time home buyer, JUMBO and other loans ...
Thu, 23 Feb, 2023 at 10:59 AM
Does the credit union offer Mobile Home Loans?
No, not at this time.
Thu, 23 Feb, 2023 at 11:00 AM
How can I apply for a 1st mortgage loan?
You can apply online at myEECU.org or call our Member Service Center at 1-800-538-3328 and select the Real Estate Option from the menu to speak with a mortg...
Thu, 23 Feb, 2023 at 11:03 AM
How do I compare rates between lenders?
By comparing the respective Annual Percentage Rates (APR). The federal government implemented the Truth-in-Lending Act in response to consumer demand for re...
Thu, 23 Feb, 2023 at 11:05 AM
How do I get more Home Equity Line of Credit advance checks?
Contact the Member Service Center at 1-800-538-3328 for a re-order.
Thu, 23 Feb, 2023 at 11:06 AM
What is a Deed of Trust?
The document creating a lien on a property as security for the payment of a debt. In some states, a Mortgage is used instead.
Thu, 23 Feb, 2023 at 11:11 AM
How do I increase the credit limit available on a Home Equity Line of Credit (HELOC)?
To increase a HELOC line amount you may call the Member Service Center at 559-437-7700 or 1-800-538-EECU, and select the consumer lending/HELOC option. An u...
Mon, 24 May, 2021 at 12:42 PM
What is a Fixed-Rate Mortgage?
A mortgage whose interest rate does not change for the life of the loan. Typically payments are also fixed through the entire term.
Thu, 23 Feb, 2023 at 11:10 AM