FIGFCU Mortgage Loans | The Best Mortgage Rates And Service
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Farmers Insurance Federal Credit Union

Routing Number: 322077795

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You deserve the best when purchasing a home! That’s why we offer mortgages with competitive rates, exceptional service, and the expertise of our seasoned mortgage professionals, ensuring a smooth and stress-free home financing experience.

We offer a variety of home loans to meet your needs. Whether you’re purchasing or refinancing your home, we can guide you through the best options for your primary residence, investment property, or even your vacation home.

Wherever you're buying, we've got you covered—we are a full-service mortgage lender, proudly offering Conventional, High Balance, and Jumbo loans available in all 50 states.

FIGFCU HOME REWARDS

We make home buying and selling more affordable and stress free. Our free FIGFCU Home Rewards* program helps you search for a home, hire a real estate agent, and receive exclusive discounts like:

  • Sell your current home for a flat 1.5% listing fee1
  • Earn a 20% real estate agent commission rebate toward closing costs2
  • Receive outstanding service from a trusted, local real estate agent

Ready to buy now or explore what’s available? Register today without any obligation to get started.

Shop For Homes

HOME BUYING CALCULATORS

Find out how much home you can afford, calculate your monthly payment, discover the cost difference between renting and buying a home, and much more.

Explore Our Calculators

CONVENTIONAL LOAN OPTIONS

LOAN PROGRAMS PAIRED WITH CONVENTIONAL LOANS

  • HomeReady: Designed to help those with low to moderate income in designated areas to utilize income flexibilities, such as room rent income, to qualify.
  • Preferred Agent Mortgage (PAM): Available for Farmers Agents to help them qualify for a larger loan, smaller down payment, and competitive rates.
  • Combo Loans: Combines two loans together (a primary loan and a secondary loan), giving the flexibility to have a small to no down payment while keeping your monthly mortgage payments lower by eliminating private mortgage insurance (PMI).

GOVERNMENT INSURED LOAN PROGRAMS (Programs temporarily suspended; check back often for updates.)

  • FHA: The Federal Housing Administration (FHA) was created to provide an additional affordable financing option to qualified borrowers.
  • VA: Veterans Affairs (VA) loans help qualified veterans and military personnel become homeowners.
  • USDA: If you want to own a home in a rural area, we’ve partnered with the U.S. Department of Agriculture (USDA) to offer 100% financing for eligible areas.
  • Reverse Mortgage HECM: A HECM Reverse Mortgage (Home Equity Conversion Mortgage) is a way to convert a portion of your home’s equity into tax-free money returned to you.**

MORTGAGE CHECKUP

Optimize your mortgage strategy with our complimentary Mortgage Checkup. You’ll gain access to expert advice tailored to your unique financial situation, including finding out how much you need to save for a down payment, exploring home loan options to fit your personal goals, and much more.

To get started, call 800.877.2345.

Get Started

If you already own your home, our affordable Home Equity Loans and Lines of Credit (HELOCs) are a great financing option to help pay for home improvements, education expenses, medical bills, and more. Click here to learn more.
 

To view your loan details, make a payment, and view your mortgage statements, visit our loan servicing website.

You can also set up your account to Auto Draft your payment each month from your Checking or Savings account.

Note: Our recently acquired mortgage company, Community Mortgage Funding (CMF), manages the payment website.

Make A Payment

For questions regarding your payment, call our Servicing Representatives at 866.913.2950.
 

Once you're ready to apply for financing, we’ll ask for a list of required documents. If purchasing a home, you can apply for financing without having selected a property; this is known as a ‘pre-approval.’*

Please note, your situation may require documents not listed below. Your Loan Officer will contact you if anything additional is needed.

Required Documents

Pre-Approval vs. Pre-Qualification: How Are they Different?
Pre-approval: You should get a pre-approval letter before beginning your home search. A real estate agent will ask you for this document to help you find a property within your approved price range. Send us your financial details, and we'll calculate a customized loan estimate for you and provide a pre-approval letter. Click here to search for homes.

Pre-qualification: A mortgage pre-qualification is a good way to estimate how much you can afford or whether refinancing your home loan may reduce your monthly housing expenses. A pre-approval takes it one step further by verifying the financial information you submit to get a more accurate amount. FIGFCU provides exactly what you and your agent need: a pre-approval.

*A pre-approval is an initial assessment of how much an applicant can borrow. It is based on certain assumptions derived from a preliminary review of incomplete credit information criteria. A pre-approval is not a guarantee of any particular loan product, features, or terms, nor is it an approval of a completed application. Final loan approval is subject to a comprehensive analysis of the applicant’s creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions, and property acceptability and eligibility.
 

STEP 1: Gather Financials and Get Pre-Approved
Send us your financial details, and we'll calculate a customized loan estimate for you and provide a pre-approval letter. Here is a list of required documents.

STEP 2: Find a Real Estate Agent and Search for Homes
If you don't have a real estate agent, our FIGFCU Home Rewards offers a 20% real estate commission rebate toward closing costs and outstanding service from a trusted, local real estate agent.* Find a real estate agent or home here.

STEP 3: Choose a Home and Make an Offer
As soon as the seller accepts your offer, we'll collaborate with the settlement agent. Ask your real estate agent about ordering a home inspection.

STEP 4: Loan Review
We'll secure your mortgage interest rate, order the property appraisal, and send your information for review by our underwriters.

STEP 5: Conditional Loan Approval
Once our underwriters conditionally approve your loan, we'll get you ready for closing.

STEP 6: Close and Receive Your Funds
The Closing Disclosure will be sent for your review. Next, you'll sign the loan closing documents. We will wire the funds to the settlement agent, enabling you to finish your home purchase.

*FIGFCU Home Rewards: Rebate payment is made by HomeSmart Evergreen Realty and is credited to your benefit at the close of transaction. HomeSmart Evergreen Realty is not affiliated with Farmers Insurance Federal Credit Union. Commission Rebates are not allowed in the following states: Alabama, Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, Oklahoma, Oregon, and Tennessee. Information is accurate as of the date of printing/publication and is subject to change without notice. 1) Sell a home and only pay a 1.5% listing fee. Does not include commission owed to Buyer's Agent. 2) Buy a home and receive a 20% rebate on your agent’s commission.
 

STEP 1: Loan Application
Complete a loan application online, and we'll calculate a customized loan estimate for you and provide a pre-qualification letter. Gather and send us the necessary financial details.

STEP 2: Appraisal
We'll request an appraisal of your property to determine its current value, secure your mortgage interest rate, and send your information for review by our underwriters.

STEP 3: Conditional Loan Approval
Once our underwriters conditionally approve your loan, we'll get you ready for closing.

STEP 4: Close & Receive Your Funds
The Closing Disclosure will be sent for your review. Next, you'll sign the loan closing documents. We will wire the funds to the settlement agent to disburse any payoffs and remaining proceeds to you.
 

Farmers Insurance Federal Credit Union: NMLS# 408877. 

1FIGFCU Home Rewards: Rebate payment is made by HomeSmart Evergreen Realty and is credited to your benefit at the close of transaction. HomeSmart Evergreen Realty is not affiliated with Farmers Insurance Federal Credit Union. Commission Rebates are not allowed in the following states: Alabama, Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, Oklahoma, Oregon and Tennessee. Information is accurate as of date of printing and is subject to change without notice.

  • Sell a home and only pay a 1.5% listing fee. Does not include commission owed to Buyer's Agent 
  • Buy a home and receive a 20% rebate on your agent’s commission. 

2 With a Reverse Mortgage, no monthly mortgage payment is required. Borrowers are responsible for paying property taxes and homeowner’s insurance (which may be substantial). We do not establish an escrow account for disbursements of these payments. Borrowers must also occupy home as primary residence and pay for ongoing maintenance; otherwise the loan becomes due and payable. The loan must be paid off when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, or does not comply with the loan terms. A Reverse Mortgage increases the principal mortgage loan amount and decreases home equity (it is a negative amortization loan). These materials are not from HUD or FHA and were not approved by HUD or a government agency.