Purchase and Refinance Options

When buying a home or refinancing the one you already have, we offer options designed for your unique situation and needs. Plus, our mortgage experts are here to help throughout the entire process, ensuring everything is as simple and stress-free as possible. Applying for a PAHO/WHO FCU loan? Fill out an application and send it to lending@pahowhofcu.org via secure email.

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Purchase Calculator

Buying a Home

Our mortgage options include no private mortgage insurance (PMI) on loans over 80% loan to value, several loan programs to fit your needs today and in the future, as well as a team of professionals to answer questions and get your loan done right. 

Loan Programs Available
  • PAHO/WHO FCU 30-Year Fixed
  • PAHO/WHO FCU 20-Year Fixed
  • PAHO/WHO FCU 15-Year Fixed
  • 15/15 Hybrid ARM
  • 10/1 ARM
  • 7/1 ARM
  • 5/5 ARM
  • Second Home
  • Investment Property

Simplify the home buying and selling process with realty services from HomeAdvantageTM. Members who use it earn an average of $2,3001 per transaction when they buy or sell their home through the program.

Refinance Your Home

With the right loan and today’s low rates, it may be possible to lower your monthly mortgage payments with a PAHO/WHO FCU Refinance loan. Pay no mortgage insurance on loans with over 80% loan to value. Plus, cash-out the equity in your home with up to 95% loan to value.

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Refinance Calculator

¹Member rebates are calculated by multiplying the real estate agent’s commission on the sale price of the home by 20%. For example, if you are purchasing or selling a home for $400,000 and use an approved agent from the HomeAdvantage network, then your rebate* would be $2,400 (example based on the assumption that the agent earned a 3% commission). The HomeAdvantage program is made available to you through a relationship between your credit union and CU Realty Services. Program rebates are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network of approved realtors. Home buyers or sellers are not eligible for the rebate if they use an agent outside this network. Using your credit union for a mortgage is not a requirement to earn a rebate. Rebate amounts are dependent on the commissions paid to the agent. Your credit union may have specific rules on how your rebate will be paid out. Rebate incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult PAHO/WHO FCU lending staff to get details that may affect you. Restrictions may apply. The credit union has the right to terminate this service at any time.

APR = Annual Percentage Rate. Rates based on credit worthiness. Not all borrowers will qualify for the lowest loan rate. Your actual rate, loan amount and term may vary and will be based on your credit history. Restrictions may apply. *Maximum LTV or CLTV = 90%. The monthly payments during the 10-year draw period are calculated based on the interest due on the outstanding loan balance. Borrowers may make principal balance payments during the 10-year draw period. Following the 10-year period, the required payment will be calculated based on the principal & interest (P&I) due to pay-off the HELOC balance over a 15-year amortization period. Home Equity loans only available on properties titled in the U.S. Equal Housing Lender.