No Closing Cost Mortgage Option


Taking advantage of NO CLOSING COST* on our mortgage loans can SAVE you THOUSANDS in upfront fees. This is a TRUE no closing cost option*. The only items you will be responsible to pay for are the down payment and recurring costs**.

Mortgage rates continue to be near historic lows, but it won't last long. Homebuyers don't miss this opportunity to recapture your hard-earned money by paying less with JSC FCU today! Apply online today to get started. 

*The total amount paid by JSC FCU and the seller cannot exceed 3% of the total amount financed based on a 95% LTV. By accepting the no closing cost option, the rate will be 0.75% higher than if you choose to pay for closing cost. There will be a 2% pre-payment penalty on the unpaid principal balance if the loan is paid in full within the first two years of the loan. JSC FCU also provides an option without a pre-payment penalty. Certain credit and income qualifications may apply. Investment properties and Jumbo Loans are not eligible for this offer. Please see a representative for more details.**Example of recurring costs are property taxes, homeowner's insurance, HOA dues and prepaid per diem interest. 

Apply Now

JSC FCU unimproved property loan

Unimproved Property Loan

Learn More
Attend a JSC FCU home buying seminar

Home Buying Seminars

Learn More
Today's Rates
15 Year Fixed Rate Mortgage as low as 3.00% APR
New or Used Auto Rate 1.89% - 12.14% APR
VISA Platinum Credit Card 6.90% - 14.90% APR
Share Certificate 0.50%-1.40% APY
View More Rates


Locate a Surcharge Free ATM or Shared Branch

eBanking Login