Home Sweet Home.

Mortgage Options

Whether you’re a first-time or 10th time buyer, or just adding to your portfolio, Signature FCU offers fixed-rate and adjustable rate mortgages (ARM) with a variety of terms.

Primary Residence Loans:

  • Up to 97% financing on single-family dwellings for qualified borrowers
  • Up to 90% financing on all condos
  • Up to 75% financing on 1-4 unit dwellings when you are occupying one of the units

Second Home Loans

  • Up to 90% financing on all second home purchases

Investment Property Loans:

  • Purchases are available for up to 85% maximum financing

Refinance Options

Refinance your mortgage to lower your monthly payments, change your term, and even pay off your mortgage faster.

Refinancing is available on both primary and investment properties:

  • Up to 97% LTV2 on single-family dwellings
  • Up to 90% LTV on condos
  • Up to 85% LTV on limited cash-out refinance
  • Up to 75% LTV on investment property 1 unit dwelling

1A cash out refinance the maximum is 80% of the homes value.

2LTV = Loan to Value

Mortgages are available for properties nationwide, except in Alaska, Hawaii, and Puerto Rico. All loans are subject to credit approval and additional pricing may apply.

Apply for your verified pre-approval before you start searching for your dream home!

What is a verified pre-approval? After our mortgage team has verified your income, assets, and credit, you’ll receive a letter stating that you’re approved to buy a home for the amount you qualify for. Verified pre-approvals provide sellers confidence that your finances are secure—giving you a competitive edge over other buyers. Your pre-approval is good for 90 days.

Documents Required for Processing:

  • One month of paystubs
  • Last two years w2’s
  • Last 2 years tax returns (if self- employed)
  • Annuity Statement (if retired)
  • Social Security Award Letter (if retired)
  • Copy of Deed showing ownership (Refinance Transaction Only)
  • Copy of most recent tax assessment (Refinance Transaction Only)
  • Copy of homeowner insurance declarations page (Refinance Transaction Only)
  • Last two months bank statements (Purchase Transaction Only)
  • Gift Letter (if applicable) (Purchase Transaction Only)
  • Ratified Sales Contract (Purchase Transaction Only)


SmartMove offers real estate assistance to help you navigate buying or selling your home. Your SmartMove professional coordinator serves as a point of contact between you and all the other parties involved in the buying and selling.

By using SmartMove, you can even get a cash rebate when buying or selling your home. Learn more about Smart Move by visiting our Preferred Partners page.


In 2008, Congress implemented the Secure and Fair Enforcement (SAFE) Act, which was designed to enhance consumer protection and reduce fraud by setting standards for licensing mortgage loan originators.

The SAFE Act requires mortgage loan officers to pass a background investigation, submit fingerprints, and secure a mortgage loan originator number as part of the National Mortgage Licensing System. These identifying numbers are public information and must be produced upon a consumer request.

We think you should know the quality and integrity of our underwriting team without having to ask, so Signature has listed our mortgage loan underwriters below. If you have any questions regarding the SAFE Act or the registration process, please contact us at (800) 336.0284 or via email: mortgage@signaturefcu.org

Institution Information:
Signature Federal Credit Union: 401612

Mortgage Loan Originators (listed alphabetically):
Bassett, Angela 507751
Caicedo, Eduardo B. 1085488
Cieczka, Lucyna 1289768
Crawford, Chrystal 507757
Donald, Jamie 507754
Hong, Jason Jun Kee 1855074
Mills, Don 2032438
Rivera-Alvarez, Jennifer 2436999
Ventura, Geovannie 790759

Last updated: 9/13/2023

Application Center

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We look forward to helping you buy your next home and are here to answer questions before, during or after the process. Please contact one of our Mortgage Loan Representatives at (800) 336.0284 ext. 696

For service on an existing mortgage, please email mortgageservicing@signaturefcu.org

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