MORTGAGE
Where you get your mortgage, matters.
Meet Our Mortgage Team
Whether you’re gathering information, crunching the numbers, or preparing to fill out your application, we have the tools and resources you need. Allow our local and dependable Mortgage Officers to walk you through the process of purchasing, refinancing, or building your new home!
Becca Brzezinski
MORTGAGE OFFICER
If you are looking for someone that will be open to listening and give you competitive lending options, while looking at your entire financial picture, Becca is your girl. Becca was originally drawn to Great River because of the team and what she heard and saw in their drive to help people. She wanted to get on board and has been loving the challenge.
Work with Becca
NMLS# 1871681
Timi Molitor
MORTGAGE OFFICER
Hustle. That is Timi’s speed. Whether she is helping members during the workday; or cheering on her two children at a ball game, dance competition, or wrestling match on evenings and weekends, Timi is someone you can count on! She has spent over 15 years in the lending world and thrives in customizing lending solutions.
Work with Timi
NMLS# 1251249
Staff NMLS#
CU NMLS #403283
Selection of Loans Include:
We offer competitive rates, free pre-qualification approvals, and face-to-face, local service to save you time and money. Our real estate team has earned a reputation of being efficient and trustworthy.
Today's Featured Rates
Conventional
Conventional loans are those that are not associated with government programs, such as the Federal Housing Administration (FHA), but they offer great rates and friendly terms. More substantial down payments and solid credit are required. In some cases, you’ll need private mortgage insurance, which adds to the overall payments. However, the insurance can eventually be removed as you reach an 80% loan-to-value.
Fixed-Rate Mortgages
When rates are low, lock them in with a fixed-rate mortgage. Your payments stay the same for the loan’s entire term. This is a popular choice because of its predictability and consistency.
Home Equity Line of Credit
Offers great low rates and allows you to borrow what you need, when you need it, similar to a credit card. Variable interest rate that adjusts with Prime Rate. Ideal for home renovations, education expenses, supporting family, and emergency expenses.
Home Equity Loan
Receive funds in a lump sum with a fixed rate, and fixed monthly payments, utilizing the equity in your home. This loan is ideal for home renovations, car purchases, debt consolidation, or any other one-time purchase.
Construction Loans
Helping build dreams from the ground up. Construction loans are short-term, interim loans used for new home construction. The lender pays the contractor – not the borrower – in installments as building milestones are achieved.
Government Loan Programs
There are several government-backed loan programs for borrowers. Talk to a mortgage officer to see if one of these is right for you.
- FHA
- VA
- USDA/ Rural Development
- HomeReady
- 97% LTV Options
Adjustable-Rate Mortgages (ARM)
ARMs have a fixed period of time during which the initial interest rate remains constant, after which, the interest rate adjusts at a pre-arranged frequency. After the initial term, the loan resets, meaning there is a new interest rate based on current market rates.
- Lower Initial Interest Rates
- Adjustable Term Options Available
Rehabilitation Loan
Used for the acquisition and renovation of a 1-4 family, owner-occupied property. This is a one-time closing loan that does not require refinancing after the property is complete. Our rehabilitation loan is an in-house loan without excessive terms and conditions.
Yep, you’ll need paperwork.
Don’t worry, view our checklist to see what’s needed.
Get a customized quote based on your loan details.
Contact a Mortgage Officer.
Start the pre-approval process online.
Home Loan Resources
Use our mortgage calculators, term glossary, learn about the closing process, and more!
Home Equity
Make home improvements or eliminate payments on your credit card.
BECOME A MEMBER
Your story may bring you here in celebration, because of exciting future plans, or a life changing event. Maybe you are struggling and looking for help, or perhaps going to the credit union is an errand in your day. All of these stories matter to us!