Find the Right Mortgage, Right Here at Formation

Buying a home is so much more than a transaction. It’s a milestone. And while most milestones are exciting, buying a home can be anxiety-inducing. 

In 2025, 92% of people wanting to purchase a house said they were at least somewhat stressed about buying one, according to U.S. News & World Report’s third annual Homebuyer Sentiment Survey.

Whether you’re purchasing your very first home, upgrading to fit your growing family, refinancing to better terms or buying land to build your dream from the ground up, Formation Credit Union is here to make the process smoother, smarter and as stress-free as possible.

 

Mortgage Services & Solutions: Taking the Stress Out of Home Buying

Our mortgage center was designed with you in mind, combining the personal service you expect from Formation with the wide range of options you’d find at a larger lender. The difference? With Formation, you’re not just another application. You’re a member. And we’re in your corner every step of the way.

 

Mortgage Options That Fit Your Needs

No matter your path, we’ve got a loan to match. We offer:

• Conventional, FHA, VA and Rural Development loans
• Terms of 5, 10, 15, 20 or 30 years
• 100% financing options available
• First mortgages, second mortgages and home equity lines of credit
• Land and lot loans with flexible terms up to 10 years

 

Why Choose Formation for Your Mortgage?

Experienced Team

Our mortgage experts take the time to explain the process and find the right product for your situation, without the confusing jargon or hidden fees.

Fast, Friendly Guidance

Have a question? Just call or stop by your local branch. We’re real people with real answers, ready to help.

Competitive Rates

We work hard to keep our interest rates low, often beating the “big guys,” so you can borrow smarter and save more.

A Better Experience from Start to Finish

From pre-approval to closing, we help you move through the mortgage process with clarity and confidence.

 

Let’s Get You Home

If you’re thinking about buying, refinancing or building, let’s talk. Our team is ready to help you explore your options and lock in a rate that works for you. 

We don’t just offer home loans. We offer partnership, peace of mind and the support you need to make your next move. Start your mortgage journey today with Formation.