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 probably the most significant investment you'll ever make, and we understand it can be a stressful experience. That’s why we’re here to help you save money and make the entire loan process as effortless as possible. Let us guide you through every step, making your home-buying journey straightforward and stress-free.
All mortgage loans we provide are kept on our books and serviced in-house, which means you’ll have a direct relationship with us throughout the life of your loan. Unlike lenders who sell loans to third parties, we handle everything ourselves – from appraisal to servicing – so you can count on consistent, personalized service and a smoother experience.
With our competitive home loan rates, you’ll enjoy lower monthly payments and pay less in total interest over the life of your loan.
Plus, our closing costs will be lighter on your wallet. Our loan origination fee is just $500, compared to 0.5% to 1% of the loan amount that most other lenders charge. For a $200,000 home loan, this means you could save $500 to $1,500 on this fee alone.
Choose from fixed terms of 10, 15, 20 or 30 years.1
Tracie E.The credit union's HELOC was instrumental in helping my family install a swimming pool. The loan allowed us to make a significant improvement to our home and has brought countless hours of enjoyment to our family. Without the credit union's assistance, this project would not have been possible. The credit union staff have always been knowledgeable, friendly, and helpful. They go above and beyond.
Other mortgage lenders typically charge Private Mortgage Insurance (PMI) fees ranging from 0.5% to 2% of the loan amount if your down payment is less than 20%. This costs you between $1,000 to $4,000 per year on a $200,000 home.
Century lets you get started with as little as 5% down – and with no PMI fees! This approach not only saves you money but also helps you become a homeowner sooner than you might expect.
Want a real advantage over other buyers when house hunting? Get preapproved FIRST. One of the biggest mortgage mistakes is skipping preapproval. While it's not required, it's highly recommended.
You can easily apply for preapproval with us over the phone while you search for your dream home. This is a crucial first step in the home-buying process.
Your preapproval letter gives you and your real estate agent a clear idea of how much house you can afford and the type of mortgage loan you'll likely qualify for, while also demonstrating to sellers that you’re a serious buyer.
You’ll receive personalized support from our mortgage lending specialists throughout the mortgage loan process, helping you understand your options and selecting the best rate, down payment and term for your financial goals. We’ll guide you through every step, from application to closing.
Our conventional mortgage loans are perfect for those looking to buy a new home and who meet the income and credit requirements.
At Century, all decisions are made locally, based on your monthly income, job stability, credit score, and debt-to-income ratio. Your interest rate is determined by your credit score and down payment percentage, and it’s locked once you complete your mortgage packet and submit a copy of the contract.
Century keeps all originated loans on our books and services them in-house. This means you’ll deal directly with us through the life of your loan. Many times, other lenders will sell your mortgage, and the servicing often transfers to a new company that you don’t know or have any sort of relationship with. Isn’t it better to work with the people you know and trust?
If you already have a mortgage loan through another lender, explore refinancing options with us and discover how much you could save!
By moving your mortgage loan to us, you could potentially lower your interest rate, reduce your monthly payments, or even shorten your loan term, all of which could mean significant savings for you.
Our team is here to help you navigate the process smoothly.
Debbie B.I have had multiple home loans with Century when interest rates were falling and saved over $40,000 by refinancing – enough to be able to afford an inground pool!
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)
1 Century finances owner-occupied, primary-residence homes and condos in Missouri and Illinois. Tax and insurance escrows are optional. We do not finance mobile homes, land, or offer FHA, VA or USDA loans.
2 APR = Annual Percentage Rate. You can pay off your loan balance early at the credit union with no penalties.
3 Total closing costs with the credit union are approximately $1,100; the title company charges separate fees of approximately $1,200.
