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NMLS – 81472

Mortgage Loans

The Credit Union offers first and second mortgages. Contact one of our loan officers for rates and information.

First Mortgage Loans

Purchasing a home or refinancing your existing home mortgage is one of the most important financial decisions you’ll ever make. Cove FCU is dedicated to identifying the best loan product with the most beneficial terms to suit your mortgage situation.

To apply for a mortgage please click on the mortgage application button above or we can take your application by phone at 859-292-9006. Cove FCU is totally committed to quality service, integrity and professionalism throughout your mortgage process, reaching a level of excellence and customer satisfaction that you’ll truly appreciate. At Cove FCU we strive to make your entire mortgage experience…EASY!

We offer a complete range of products including Conventional, Jumbo, FHA, VA and USDA loans at competitive rates and closing costs. We offer fixed and adjustable loan options up to 30 year terms. Pre-approvals for purchases are available along with rapid turn-around times to close.

Home Equity Loans

Enjoy your home for all its worth.

With every mortgage payment you make, you are building equity in your home. Why not use it? A home equity loan, like a credit card, gives you a pre-determined borrowing limit and allows you to access your money when you need it. Home equity loans can usually provide you access to larger sums of money, for longer terms and at lower interest rates compared to other types of loans. In most cases your interest is tax deductible (consult your tax advisor).

Consolidate Higher Interest Debt
Home Improvements
Dream Vacation
College Education
New Furniture or Appliances
…just to name a few

Home Equity Alternatives

Variable Rate Line of Credit
Draw period is five years from date opened
Annual percentage rate may vary
Rate is based on credit score and available equity

Fixed Rate Closed End 2nd Mortgage

One time draw

You’ve put time and money into making your house a home. Now it’s time to let your home give you something back!