Apply by Nov. 30, 2025, and save $500 or more on a Century mortgage loan. Don’t leave easy money on the table. Discover even more reasons to choose Century for a home loan.
Apply by Nov. 30, 2025, and save $500 or more on a Century mortgage loan. Don’t leave easy money on the table. Discover even more reasons to choose Century for a home loan.
Buying a home is one of the biggest and most important investments you'll ever make. It can also be stressful.
We're committed to saving you money without stress and will do our best to make sure everything goes as smoothly as possible for you during the loan process.
Below are reasons why we were a Finalist for Best Mortgage in St. Louis this year in St. Louis Magazine's A-List Readers' Choice Awards competition.
At Century, you can put down as little as 5% of the home's cost, enabling you to get into your new home sooner than you think!
Other lenders typically require 20% down or more and charge expensive Private Mortgage Insurance (PMI) if you don't, ranging from 0.5% to 2% of the total outstanding amount. On a $200,000 home, for example, that's $1,000 to $4,000. At Century, we don't charge PMI.
One of the biggest mortgage mistakes you can make is to not get preapproved. While it's not required, it's highly recommended.
A preapproval application can be done with us over the phone while you shop for the perfect home. We can provide you with a letter for the real-estate agent to use while you're looking. This is typically a first step in the homebuying process. It gives you and your real estate agent a good idea of how much house you can afford and the type of mortgage loan you'll likely qualify for, while also letting sellers know you’re a serious buyer.
Conventional mortgage loans that we offer are ideal for those who want to buy a new home and are able to meet the income and credit requirements.
Decisions are generally based on the borrower's monthly income, length of time on the job or in the same field of work, credit score, and debt-to-income ratio. The interest ratee is determined by your credit score and down payment percentage, and it's locked once you've completed a mortgage packet and submitted a copy of the contract to us.
Century finances owner-occupied, primary-residence homes and condos in Missouri and Illinois. Tax and escrows are optional. The credit union doesn't finance land or make FHA, VA, or USDA loans. You can pay off your loan balance early, with no penalties.
If you currently have a mortgage through another lender, look into refinancing with Century. We may be able to save you money.
For current rates and more information, call 314.544.1818.
Century Credit Union's NMLS# is #445370. Below is a current list of our loan originators who are registered with the Nationwide Multistate Licensing System (NMLS).
APR = Annual Percentage Rate. You can pay off your loan balance early at the credit union with no penalties.
Total closing costs with the credit union are approximately $1,100; the title company charges separate fees of approximately $1,200.
