Mortgage Loans
Whether you're purchasing your first home or refinancing your current one, WESLA Federal Credit Union offers competitive mortgage rates, flexible terms, and personalized service to meet your needs. Our experienced mortgage professionals are committed to providing a hassle-free, money-saving experience—because your home journey should be as smooth as possible.
Mortgage Loan Programs
First Mortgages
We offer a variety of programs for home purchases, refinances, and cash-out options.
Conventional loan
Up to 95% financing available
Fixed rates available:
15-year
20-year
30-year
Home Refinance Program
Take advantage of current market rates and lower your monthly payment:
Benefit from reduced interest rates
Lower monthly payments
Minimal Closing Costs
Land and Lot Loans
Secure your future build site with flexible financing:
Finance up to 95% of the land’s value
Cash-out up to 80%
1 to 15-year terms
Construction Loans
Build your dream home with confidence:
3 to 6-month terms
Fixed rates available
Manufactured Home with Land Loans
Affordable options for new and used manufactured homes:
Borrow up to 95%
Eligible for double-wide homes
3.5% down payment
Includes land purchase
Home Equity Lines of Credit
Put your home’s equity to work! Whether you're funding a renovation, education, or a major purchase, a WESLA HELOC gives you the flexibility and control you need.
Home Equity Lines of Credit (HELOC)
Only pay interest on what you use
Fixed rates available
Potential tax-deductible interest
No need to reapply — reuse your credit line as needed
Loans start at $50,000
Enjoy a 7-year draw period
7-year draw period
Ready to Get Started?
Schedule a home loan chat with a WESLA lending professional today to explore your options and find the loan that fits your goals.
Rates depend on credit. Some restrictions may apply. WESLA NMLS#712173 Kaitlyn Porter NMLS#1788883.