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Home Mortgages

Home Mortgages

Self-Help is a unique portfolio lender, with a range of mortgages designed to fit the diverse needs of our members. Our mortgages are ideal for borrowers with imperfect credit, first-time home-buyers, immigrant families, rural residents, and long-term credit union members. Our fixed-rate first mortgages can be used for purchases or refinances. We also offer unique loan products that include financing for manufactured homes, land loans, investment property, and property in distressed condition. A home loan officer would be happy to assess your situation and see which of our loans would work best for you.

  • Responsible home loans for qualified borrowers
  • Opportunity to build wealth through ownership
  • Refinance and save!

Take a stake in your family's future — and get a fair shake — at Self-Help Credit Union.

PLEASE NOTE: Self-Help only makes home loans in the following jurisdictions: California, Maryland, North Carolina, Virginia, and Washington, D.C.

Portfolio Loans

Find a flexible and fair alternative where other lenders fail to meet your needs. Compared to traditional sub-prime loans, Self-Help portfolio loans provide:

  • Reasonable interest rates
  • Extremely low fees
  • No private mortgage insurance
  • Underwriting based on employment and credit stability
  • Potential financing for up to 97% of a home's value
  • Common-sense underwriting
  • Flexible guidelines
  • No junk fees

Our portfolio loans enable families who have paid bills on time, built up savings, and earn a stable income to purchase new homes or refinance their existing homes. Apply today to see how we can help you and your family!