Preapproval determines what you can afford. It also shows sellers that you’re a serious buyer, positioning you to negotiate effectively.
Find your home
Here’s the fun part. Make a list of everything you want and need in a home. Prioritize your list. Then go shopping to find the one.
Once you’ve made an offer, use our online mortgage form to complete your application and get the process rolling.
Work with us
Buying a home is a process, and we’re here to help. Our knowledgeable staff will keep you up to date through each step.
Close and move in!
So you’ve signed the papers and gotten the keys. Congratulations! You made it. Now it’s time to turn that new house into your home.
Lending looks different here
We’re committed to servicing your loan in-house for its whole lifetime — that’s our local lending promise. More importantly, at our credit union, we steward our resources toward helping our communities thrive in the long run, and that includes you.
We go through everything with our members to help them get to this cool thing at the end, which is owning a home. When you’re able to help someone achieve the American Dream and provide some peace of mind in the process … it’s the most powerful thing I’ve ever seen.— Justin Sanders, Senior VP of Mortgage Banking
Guidance at every step
Visit our Homeownership Center to find useful information on the entire mortgage process.
First-time buyers, in-house loans, veterans’ loans, down payment assistance — talk to us about your needs.
Need help improving your credit score or saving for your new home? Our financial counselor can help.
Building a home?
Great — let’s get your construction loan started. At Clearwater Credit Union, we offer competitive rates and terms to help you turn your plans into reality.