Mortgage loans

Home loans that feel like home

Whether you’re buying, refinancing, or tapping into equity, Volt makes the process smooth, local, and way less stressful—because big decisions deserve real support.

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Buying a home is a big step – and we’re here to walk it with you. From first-time buyers to seasoned refinancers, Volt Credit Union offers low rates, flexible terms, and real people ready to help. Whatever homeownership looks like for you, we’ll make sure the loan fits your life.

Buy your first (or next) home

Whether you’re just starting out or ready to upgrade, our mortgage team is here to help you get the keys—with confidence.

Refinance the smart way

Lower your monthly payment, reduce your rate, or cash out equity—we’ll help you find the right refi move.

Tap into your equity

Already have a home? Tap into your equity

Need funds for home projects, education, or life’s surprises? A Volt HELOC gives you access to the value you’ve built

Applying is simple

We’re with you every step of the way.

Step 1

Start your application online

Apply in minutes with our easy online form, or contact a Volt mortgage specialist.

Step 2

Submit your documents

We’ll guide you through what we need—no jargon, no guesswork.

Step 3

Close with confidence

We’ll keep things moving so you can get the keys, refinance, or access your equity faster.

Mortgage Loan Calculator

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Monthly Payment

Property Tax: 167
Homeowners Insurance: 100

HOA Fee: 0
Mortgage Insurance: 167

Loan amount

Down Payment

Rate (APR)

Term

Volt made getting our mortgage feel effortless. We were referred to Volt, and from the moment we reached out to the day we signed our mortgage documents, we could not have had a better experience. They made the process effortless and treated us like family every step of the way.

— Kerri W

Member since 2023

Home lending, the Volt way

Whether it’s your first place or forever home, see how Volt makes home loans personal, empowering, and surprisingly simple.

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Frequently asked questions

We sure do! Volt offers a variety of mortgage options including Conventional, FHA, VA, and USDA loans. Depending on the program and your unique situation, there may be low or even no down payment options available.

Ready to take the next step? You can apply online anytime to get pre-approved and start your homeownership journey with confidence.
We sure do! One great option is our HomeReady® Program, which is designed specifically for first-time buyers and only requires a 3% down payment.

We also offer other low or no down payment options, including:
- FHA – 3.5% down
- VA – 0% down for eligible military members and veterans
- USDA – 0% down for qualifying rural properties
Each loan has its own criteria, so go ahead and apply online to get pre-approved and one of our friendly loan officers will help you find the option that fits you best.

Let’s get you home

Your next chapter starts here. With Volt’s local experts and flexible options, home financing is less stressful—and way more doable.

Start an application View rates

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Rates effective as of: October 27, 2025

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