Residential Mortgages

You have the edge when you finance or refinance your mortgage with Welcome Credit Union. Get a quote in minutes, access your custom rate, and buckle up for lightning-fast closings.

So, go ahead and get that great house in that great neighborhood. Find that open floor concept you’ve always wanted. Claim that master bath as your very own masterpiece. Turn that idea of your very own backyard oasis into reality.

With affordable mortgage loan rates and flexible terms to match your lifestyle, Welcome has the right solution for you. Call our home specialist at Phone 888-932-8148, or click the links below to get started.

Making your mortgage payment is simple with our secure online payment portal. Access your account anytime to make a quick and convenient payment.

*Restrictions apply. Lending criteria must be met. This is not an offer to extend consumer credit as defined by Section 1026.2 of Reg. Z. Rates and terms are subject to change. Welcome Federal Credit Union (NMLS 411459) provides mortgage loans in agreement with myCUmortgage NMLS 565434. FHA and VA mortgage loans are not included in this offer. Individual rates and terms may vary based on down payment, loan-to-value, credit history and credit score.   Membership eligibility required. See Credit Union for details. For more information or to apply, visit: welcomecu.org/loans-mortgages/residential-mortgages/. Federally insured by NCUA. Equal Opportunity Housing Lender.

Key Features

  • icon images Low Rates
  • icon images Quick Pre-Approvals
  • icon images Fast Processing
  • icon images Doable Down Payments
  • icon images Great Member Service

  • Conventional Mortgages

    • Fixed- and variable-rate terms
    • Various terms available
    • Up to 97% loan-to-value financing for qualified buyers
    • Get a home loan quote
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  • Refinance

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  • Helpful Tips for Buying and Selling Your Home

    Watch our 2026 Home Buyer Seminar, Everything You Need to Know About “Making an Offer”, for expert insights on the home buying and selling process from Kathryn Glenn from Keller Williams Real Estate, and Shelbee Wagener from My CU Mortgage.

     

     

    Shelbee Wagener
    Mortgage Originator

    swagener@mycumortgage.com

     

    Kathryn Glenn:

    yournorthcarolinaagent@gmail.com

 


*All loans are subject to credit approval. Your overall creditworthiness may determine the amount financed, interest rate and term available to you. See credit union for details. Federally insured by NCUA.  Equal Housing Lender. NMLS #411459

🗓️ Scheduled Maintenance: Online banking will be temporarily unavailable on May 19, 2026, from 2:00 a.m. ET to 9:00 a.m. ET as we complete a scheduled upgrade. We appreciate your patience.

🗓️ Henderson Branch: Our Henderson branch will be open from 10 AM - 3 PM on Thursday, August 20.

🗓️ Welcome Federal Credit Union will be closed on Monday, May 25 in observance of Memorial Day.

🗓️ Welcome Federal Credit Union will be closed on Friday, June 19 in observance of Juneteenth.

🗓️ Welcome Federal Credit Union will be closed on Friday, July 3 in observance of the 4th of July.

🗓️ Welcome Federal Credit Union will be closed on Monday, September 7 in observance of Labor Day.

🗓️ Welcome Federal Credit Union will be closed on Monday, October 12 in observance of Columbus Day. 

🗓️ Welcome Federal Credit Union will be closed on Wednesday, November 11 in observance of Veterans Day.

🗓️ Welcome Federal Credit Union will be closed for the Thanksgiving Holiday on November 26 & 27, 2025.

🗓️ As we close out 2026 and think forward to 2027, WFCU would like to wish all of our members and their families a wonderful holiday season and a prosperous New Year! Please be advised of our holiday schedule. 

Our auditors, Cantey Tiller Pierce & Green, LLP, may contact select members for routine account verification. Thank you for your careful review.

🗓️ Mark your calendar: WFCU's 2026 Annual Meeting - Members Only -  is Wednesday, May 20. RSVP today!

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