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Real Estate Loans

Spectrum Credit Union is committed to helping you make sound financial decisions and find the right mortgage product to meet your needs!  We offer a variety of products to meet your financial goals whether you want to purchase a home, refinance an existing mortgage, make home improvements, consolidate debt, or get extra cash.  Our loans have no prepayment penalties and may be refinanced at any time.

To check the status of a loan application in process or to apply for our Disaster Relief Home Repair Loan, please contact us toll-free at 888-750-4124, or send an email to

You may also check status at  Use the log in and password created when you submitted your application.

  • Before You Start

    How long will it take?

    On average it takes 15-20 minutes.

    What will I need?

    Here are some simple checklists:

  • Your Application

    Need some help?

    Look on the right-hand side of the screen for some helpful hints.

    Short On Time?

    You can save your application at any point and come back later.

  • Once You're Finished

    What happens next?

    Some programs may give you instant online approval.

    If that's not an option?

    Your application will be under review, login at any time to see the current status of your application.

Start your Application

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Have an application?

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