Our old web address, www.nswcfcuonline.org, will be discontinued soon. Please be sure you have updated your bookmarks with our new address, www.topsidefcu.org.

Be on the lookout for this Pay a Person Transfer scam.

Fraud is on the rise. Check out our latest video on the kinds of fraud to be on the lookout for!

Reset Password / First Time User

NCUA logo

Accessibility

Apply for a loan

Main Content

Mortgage Loans: Purchasing

Apply Rates

Buying a home is a big decision. We know how important it is and how confusing and stressful it can be. You can trust us to provide all of the tools you need—low rates, numerous options and a personalized experience. We take care of these things so you have more time to find your dream kitchen and perfect master bath.

 

 

We offer various Mortgage Loan options to meet all of your home buying needs.

Are you a first time home buyer looking for some information about the mortgage process?  This link is a great place to find the answers to your questions!

Fixed Rate Mortgage – With a fixed rate mortgage your payment will not change over the life of your loan because your interest rate doesn’t change. Our various Mortgage Loan features offer:

  • Easy online application
  • Low rates
  • Free 24/7 online and mobile banking access
  • Convenient loan calculators
  • Free automatic transfer

Adjustable Rate Mortgage – Adjustable Rate Mortgages, ARMs, offer a lower starting interest rate and therefore, a lower monthly payment. Your rate and your payment may increase as time goes on.  Other than a variable rate, you enjoy the same features as our Fixed Rate Mortgage.

Jumbo Loans – If you are looking to borrow more than $765,600, a jumbo loan may be your answer. We have a variety of jumbo loans offering the same features as our Fixed Rate Mortgages.

Unique Loans – If none of the options above sound like they will fit your particular needs, don’t worry! We offer a variety of unique loans such as Balloon, FHA, VA and more. Ask us today and a loan specialist will help find the best fit for you.