First Northern Credit Union - First Mortgage
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First Mortgage

First Northern Credit Union offers highly competitive rates and excellent customer service. These are things you expect from a mortgage lender. Beyond that, we offer you peace of mind – assurance that we will listen to your needs and goals and incorporate those into the advice we give you regarding your mortgage decision – one of the biggest decisions you will make in your life. The type of loan you choose and the repayment options will likely determine how comfortably you live today and in the future. Let us help with that decision. We offer a wide range of mortgage products and are certain to have one to fit your needs.

With over 20 years of experience in the home buying process, we have a thorough understanding of the real estate market. Rest assured that your financing goals and expectations will be met by First Northern's Mortgage Team.

Call us today to see how we can help. Our toll-free number is (888) 328-8677. Press option 2.

New offering!
First Northern now offers second mortgage loans to members who finance their first mortgage through the credit union. Please note that some first mortgage products restrict the total combined loan to value allowed at the time of purchase.

Click here to access your first mortgage accounts.
First Mortgage Loans
15 year 5.750% RATE
5.823% APR
20 year 6.125% RATE
6.184% APR
30 year 6.125% RATE
6.169% APR

APR = Annual Percentage Rate

First mortgage rates fluctuate often and are subject to change without notice. The floor rates listed above are based on qualification for FNCU’s portfolio loan programs. Other programs, terms, and rates may be offered based on your credit qualification and borrowing requirements. First mortgage loans are available in Illinois only. FNCU is an equal housing lender.

Repayment Example: 6.33% APR for 180 months is $8.63 per $1,000 borrowed.

APR assumes loan amount of $175,000, 0 points, 80% LTV. Your actual APR may be different based on your actual loan amount, location, and date closed.

Please call our Mortgage Department for additional programs and terms. 815- 332-9898 ext 505
Second Mortgage Rates
Up to $250,000 – Borrow up to 85% of your home's equity 7.29% APR
Up to $25,000 – Borrow up to 100% of your home's equity 7.00% APR
Other rates and terms available

APR = Annual Percentage Rate

Rates are subject to change without notice. Qualified members only. Our standard credit criteria apply. Second mortgage loans available in Illinois only.