Mortgage Loans

At Dale Community Federal Credit Union, you know people you can trust. That’s one thing that makes a credit union mortgage special. We provide the care, knowledge, and experience to find a mortgage loan that’s in your best interest and in your budget. And we’ve got it all right here…with flexible terms. And we’ve got it all right here with competitive rates and flexible terms.

Loan Officers
Mary Henke

NMLS #1490516
402.835.0972
president@dalecu.com

Dashia Ellwanger

NMLS #204739
402.371.2242
personalrep1@dalecu.com

Brandy Watson

NMLS #1577945
402.371.2242
norfolkreloans@dalecu.com

For your peace of mind, DCFCU would like to welcome you to confirm that we are authorized to conduct mortgage business in the state of Nebraska.
Please feel free to visit NMLS Consumer Access & enter in any of the above loan officer’s or Credit Committee’s NMLS numbers to verify their credibility.

Product Types

(For In-House Loans, the property must be in Nebraska)
Home Equity Line of Credit Loans (Variable Rate)

A Line of Credit loan based on the equity of your permanent Nebraska residence. Rate is based on the 6-Month T-Bill and is variable. Contact a loan officer for more information. DCFCU does not take the applicant’s race, color, religion, national origin, sex, handicap, or familial status into consideration.

  • Minimum Line of Credit: $7,500.00

  • View the Home Equity Line of Credit Loan Early Disclosures via the button below. Must have Adobe Acrobat reader to access, which you can download for free using the button above.

Closed-End Home Equity Loans (Non-Variable Rate, Second Mortgages)

A one time, non-variable rate loan based on the equity of your permanent Nebraska residence. Rate is based on the 6-Month T-Bill. Contact a loan officer for more information. DCFCU does not take the applicant’s race, color, religion, national origin, sex, handicap, or familial status into consideration.

Fixed Rate

This is the most common type of loan and is available in 10, 15, 20, & 30-year terms. Typically, borrowers may lock in a lower rate closer to closing. Rate and buy-downs are available by paying discount points (1 point = 1 percent of the loan amount; points vary daily and by amortization. Down payment requirement depends on loan type).

Home Improvement Loans

Applicant must be employed by current employer for 1 year minimum and member of DCFCU for 1 year. Appraisal on property will be required.  Property must be located in Nebraska. Current rate is 1.0% above current Home Equity Line of Credit rate. Contact a loan officer for more information. DCFCU does not take the applicant’s race, color, religion, national origin, sex, handicap, or familial status into consideration.

  • Maximum Amount: $25,000.00

  • Maximum Term: 20 years with a minimum payment schedule

Bridge Loans

DCFCU now offers Bridge Loans. Contact a loan officer at either office for more information.

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