Mortgage Loans

with competitive fixed rates for mortgage purchases and refinances.

The Glass City Mortgage Advantage

  • Great rates
  • Quick processing
  • Free pre-approvals
  • Conventional and Construction Loans
  • Loans serviced locally

Pre-Approval & Application Process

Although a pre-approval is not a final loan commitment, a pre-approval letter demonstrates your financial strength and shows that you have the ability to go through with a purchase. Get started with the below links.

To apply, you will need:

  • Two most recent pay stubs for all borrowers

  • W2 for all borrowers for the past two years

  • Tax returns for the past two years (if you are self-employed)

  • Deposit and investment statements for the past 60 days

For a refinance, in addition to the above, you will need:

  • Home insurance policy

  • Mortgage statement

The number of days from application to closing can vary up to 30 days or more, depending on a number of factors, including loan type, appraisals, and title clearance. Time delays can occur if outside sources or the borrowers do not provide documents and information to the credit union promptly.

Loans subject to membership eligibility, credit approval and application.

Ask About Our Low
Down Payment Loans!

Loan Rates
Rate Sample APR* Monthly Payment
30 Year Fixed Conventional 4.500% 4.540% $836.03
20 Year Fixed Conventional 4.250% 4.304% $1,021.74
15 Year Fixed Conventional 4.000% 4.069% $1,220.49
10 Year Fixed Conventional 4.000% 4.099% $1,670.54
Vacation Home –
15 Year
4.750% 4.866% $1,283.42
*APR = Annual Percentage Rate. The APR is based on a sample purchase loan transaction assuming a $165,000 loan, 75% loan to value, 740+ credit score, and $764.00 in prepaid finance charges. Vacation home $1,264 in prepaid finance charges. Actual APRs will vary. The estimated monthly payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater.Loans subject to membership eligibility, credit approval and application.

Estimate Your Monthly Payments

The calculator is for demonstration purposes only and may not reflect actual numbers for your mortgage. Assumes constant interest rate throughout amortization period. Be sure to set the compounding period for your region for most accurate results. Contact Glass City Federal Credit Union for more information.
"Welcome Home" grant program funds available for qualified buyers

Photo of a hand giving a set of keys to another hand in front of a house

You may be eligible for the “Welcome Home” grant program through the Federal Home Loan Bank of Cincinnati with Glass City mortgage loan financing. Contact our Mortgage Loan Officer, Don Kost, at 419-887-1018 and get pre-approved! Limited funds available March 1 – 31, 2018.

Click here for program details.


*Subject to credit approval, income limits, and program requirement eligibility.
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Start Packing
for your new home or refinance your existing loan today!...If you have any further questions about Glass City mortgage loans, feel free to contact Don Kost in our Mortgage Department at 419.887.1000 or 800.837.3595
Apply Now