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Mortgages

Whether you’re buying your first home or moving to a new one, KEMBA’s staff is committed to making the time-consuming, and sometimes complicated process of buying a home easy. You have many choices for financing a home at KEMBA. We can finance up to 95% Loan-to-Value and still allow you to enjoy competitive market rates. Now you can be approved online. Just visit KEMBA's Online Mortgage Center.

Click here to apply for a mortgage today!

Traditional Mortgages

This conventional, fixed-rate loan provides the security of knowing that your monthly payment will stay the same throughout the life of the loan. You’ll get a fixed interest rate and a fixed monthly payment. Choose from 10-year, 15-year or 30-year terms.

Adjustable Rate Mortgages

An Adjustable Rate Mortgage (ARM) usually begins with a low initial rate that can rise or fall depending on current market rates. Our ARM Loans have "caps" which limit how much the interest rate may change at a single adjustment and over the life of the loan. Choose from a 3-year, 5-year or 7-year term.

Balloon

A balloon mortgage can be an excellent option for many home buyers. Choose from a 3-year, 5-year or 7-year term. Your payment is based on a term of 30 years. At the end of your loan term, you can refinance your loan, buy a new home or pay it off.

Special Mortgage Programs

We offer FHA/VA financing as well as BOND program financing for all our members.