Girl on front porch

Home Loans

We’re here to help you open the door to your new home.

Buying a home is likely the biggest financial decision you’ll ever make, which is why working with someone you trust to navigate the process is incredibly important. You can count on the team at Peninsula to steer you in the right direction.

Peninsula helps you navigate the home buying process by offering:

A wide range of loan types

We offer several mortgage options to meet your specific needs.

Fast, local service

Our friendly team has more than 40 years of combined experience.

Financing options

From mortgage assistance to loans with zero closing costs, we’ll help you find the right fit for your budget.

Helpful Details


Easy and Helpful

“I loved working with PCU to get my home loan, the process was great and I found it comfortable that we could look at my whole financial picture during the process.”

With our home loan options, you’ll find the right fit for you and your family.

When you work with Peninsula, you’ll get to choose between a range of home loans with fair rates and low fees:

  • Fixed-rate loans
  • Adjustable-rate (ARM) loans
  • Federal Housing Administration (FHA) loans
  • Veterans Administration (VA) loans
  • USDA loans

Get pre-approved online or call us at 1.800.426.1601


  • Decide how much home you can afford
  • Choose the type of mortgage loan you want
  • Get pre-approved for the loan
  • Find your home
  • Make an offer
  • If the offer is accepted, go through inspections
  • Closing process

Apply Today

To apply for a purchase or refinance home loan
Apply Online
To apply for a land or construction home loan
Apply Online

Land and Construction loans

We also offer Land and Construction mortgages, with flexible terms and options to meet your needs:

Land Loans

  • Available for properties 20 acres or less
  • We offer various loan and term options
  • Finished lots and recreational land rates available
    • 5 year balloon, 25% down, minimum credit score 680
    • 15 year fixed, 5% down, $250,000 maximum finance amount, minimum credit score 680
    • 15 year fixed, 15% – 25% down, minimum credit score 650
    • Path to Homeownership – First-Time Buyer: 15 year fixed, 0% down, $100,000 maximum finance amount, minimum credit score 680
  • Quick loan decisions and fast turnaround times


Construction Loans

  • Up to 12 month construction period available
  • Minimum credit score 680
  • 75% Loan-to-Value of completed appraised value
  • Flexible terms
  • Low loan origination fee plus normal closing costs for construction loans
  • Interest-only payments during construction


Apply Today

To apply for a purchase or refinance home loan
Apply Online
To apply for a land or construction home loan
Apply Online

Financial options and mortgage assistance

Buying a home includes a variety of costs, including down payment, closing costs, and other fees. Depending your financial situation, you may need to reduce those expenses in order to make buying your home a reality. We can help connect you with the following types of assistance:

  • Mortgage assistance—for our eligible members, we facilitate closing cost and down payment assistance.
  • Lender-paid mortgage insurance option
  • No closing cost fixed-rate loans

Get pre-approved online or call us at 1.800.426.1601

Home Equity Loans

Make the most of your home’s equity with our flexible Home Equity Loans. We offer two great lines of credit, each with different benefits.


Online payments

Make your mortgage payments online using Peninsula Home Banking. It’s easy, fast and secure.


Down Payment Assistance

an ad talking about the availability of down payment assistance

The Workforce Housing Down Payment Assistance Program was developed as a way for members of the community to obtain affordable housing. Assistance of 3% (up to $6,600) will be provided to cover costs associated with the home purchase.

How does it work?

A member would apply for a home loan, after we finish the preapproval the credit union will provide a link to an online Homeownership training module through BALANCE to complete the eight hour online learning module, which must be completed prior to loan closing. Upon completion the credit union is automatically notified.

FAQs and Tips

Yes we do, you find the property that is best for you and we will help you finance it.
Private Mortgage Insurance is provided by a private mortgage insurance company to protect lenders against loss if a borrower defaults. Private Mortgage Insurance is generally required for a loan with an initial loan to value (LTV) percentage in excess of 80%. In most cases, this will mean that you will have to pay Private Mortgage Insurance if your down payment is less than 20% of the property value or purchase price, whichever is lower. 

Meet the Team

  • A photo of our Mortgage Officer, Hollyanna Vopat-Steiner

    Hollyanna Vopat-Steiner

    Mortgage Loan Officer

    Hello! My name is Hollyanna Vopat-Steiner and I am the Mortgage Loan Officer here at Peninsula Credit Union. I am a wife and a mother of 3 beautiful young children. I absolutely love to cook and bake regularly, and in those rare moments to myself, I adore doing arts and crafts. I’ve been working in Community Banking since 2012, and joined the customer service workforce when I was just 14 years old. Over the years, I have identified that I have a very real passion for helping members of the community grow and achieve their personal and financial goals. Whether you’re purchasing your first home, refinancing, purchasing land or in need of a construction loan, I can help you through the process from start to finish. It is my goal to make your loan journey go as smooth as possible and be an overall great experience. Let me help you achieve your goals of homeownership!

A tip from our Mortgage Officer

Divide your payment by 12 and add that amount to each monthly payment or pay half of your payment every two weeks, also known as bi-weekly payments. You’ll make one extra payment each year, saving you $24,000 and shaving four years off your mortgage.

family unpacking boxes

Ready to buy a new home?

Stop by one of our branches
Call us

You are now leaving Peninsula Credit Union’s website. 

You are about to navigate away from Peninsula CU’s website. Clicking on the link will take you to another website that is not operated by Peninsula Credit Union. PCFCU is not responsible for the content of the third-party website or transactions between our members and the third-party website. The privacy & security policies of the third-party website may differ from Peninsula Credit Union’s practices.

Cancel Accept