CU Realty:
Opening the Door to Home Ownership Dreams

Free Home Buying Seminars

Jumping into the home buying market can be a very daunting task. Now you can get free advice on purchasing your dream home. If you're thinking about purchasing a home within the next year, we can help you wade through the maze of the buying process. 

Home buying seminars are offered by CU Companies (SMFCU is an owner of CU Companies). The seminars take place at CU Companies headquarters at 500 Main Street in New Brighton (approx. 5 blocks west of 35W on Cty. Road E2). 

UPCOMING SEMINAR DATES & TIMES
- Tuesday, July 15 at 6 pm
- Tuesday, July 22 at 6 pm
- Tuesday, August 12 at 6 pm
- Wednesday, August 27 at 6 pm
- Wednesday, September 10 at 6 pm
- Tuesday, September 23 at 6 pm

Seminar seating is limited. For reservations, call CU Companies at (651) 631-3111.

Did You Know?
You can access your mortgage online. Check the balance, make payments, set up notifications, and more! Click here to get started.

Buying a Home... Selling a Home... or Refinancing
South Metro Federal Credit Union can Help

South Metro Federal Credit Union has partnered with CU Companies to bring you realty, mortgage and title services -- all in one location in the Twin Cities. That means you can find a home, arrange for the mortgage, and close on your home all at the same place. And refinancing your existing home is just as easy and time-saving as purchasing a new one.

CU Realty provides full real estate services for a low 4.25% commission rate -- compared to 6% or 7% at other realty companies.

Full Service. Buying and selling. That's CU Realty.
For your free market analysis or to consult with a Realtor® about purchasing a home, call 651-787-9555 or log on to www.cucompanies.com.

Mortgage pre-approvals - 24 Hours a Day!
We usually recommend that you call or visit one of our loan officers for help completing a mortgage application. We understand that not all schedules work that way, though. That's why we offer HomeLoan Express. This on-line service walks you through the application process and renders a decision within a matter of minutes. From there, a CU Mortgage Loan Consultant will contact you within 24 hours to gather the rest of the information needed to complete the loan process. 

 SMFCU Has Your Mortgage Solution! 

Make your dreams of home ownership a reality with a first mortgage loan from CU Mortgage. You can now choose from these available products all with competitive rates and closing costs:

• 40-Year Fixed
• 30-Year Fixed & 30-Year Jumbo Fixed
• 15-Year Fixed and 15-Year Jumbo Fixed
• 7-Year Balloon
• 5-Year Balloon
• 1-Year ARM
• First Time Home Buyer Affordability Program
• Check our current mortgage rates today!

CU Mortgage is a Minnesota Credit Union owned mortgage and title insurance company in Roseville. Contact CU Mortgage at 651-631-3111 or log on to www.cucompanies.com and request a mortgage package today. Competitive rates and friendly staff with a tradition of helping members is the reason why CU Mortgage exists.

Now Available... Interest-First Loans!

The days of plain vanilla mortgages are over! Now, you have more tasty mortgage options available through your credit union!

The newest delectable flavor on our mortgage menu is interest-first (“interest-only”) mortgages*. An interest-first mortgage allows you to make interest-only payments for an initial period of time. After that period, the loan converts to a fully-amortizing loan for the remainder of the term.

This may be a good choice if you:

• Want to maximize your buying power
• Want to keep payments lower during the first few years of the loan
• Plan to move into a different home within a relatively short period of time
• Plan to pay off your mortgage within a relatively short period of time
• If, in coming years, you expect to increase your income significantly

Ready to taste some new options?
Discover all the different mortgage options available to credit union members. Give us a call at 952-445-0888.

*Interest-first mortgages are not available for investment property, 2-4 unit properties, manufactured housing. Not available to borrowers with less than a 5% down payment.