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AdelFi has partnered with
CU Members Mortgage

to bring our members the very best home loan experience.

Apply Now

We're with you at every step.

We’re offering great rates, an easy digital experience, and a trusted home loan advisor to walk alongside you in the process; no matter where you are in your home buying journey.


Are you thinking about buying a home? Let us help you get ready for the home-buying journey!


Are you ready to shop for a home? Let us help you find the right loan option.

FHA Loans

Ideal for first time home buyers with lower down payment

Conventional Loan (Rate Fixed)

Ideal for rate stability

Conventional Loan (Variable Rate)

Ideal for short term ownership and potential rate improvement

Jumbo Loan

Ideal for loan amounts that are above conventional loan limits

VA Loan

Ideal for rate stability and no minimum down payment

Get your rate quote

Speak with a CU Members Loan Specialist to get the most accurate quote for your situation.

Get Pre-Qualified

Apply now

A pre-qualification will give you an estimate of the loan amount you may qualify for! A Home Loan Specialist will follow up with you and answer all your questions.

Still have Questions?

Contact You

Let us contact you. Schedule a time for a CU Members Loan Specialist to call you back.


What is a pre-qualification?

Pre-qualification will give you an estimate of the loan amount you may qualify for based on your basic financial information. Click here to start the pre-qualification process! If you have found a home you'd like to pursue, you may request a pre-approval letter from CU Members Mortgage. Just inform them your intent when applying.

What is the difference between a pre-qualification and pre-approval?

Pre-qualification will give you an estimate of the loan amount you may qualify for based on your basic financial information. A pre-approval shows that you are a serious homebuyer with the exact amount you have been approved for. You may request a pre-approval letter, as well as a pre-qualification from CU Members Mortgage. Click here to start the process!

Where can I find rates online?

Rates are very fluid and fluctuate based on the various factors of each member. We feel having an accurate rate is very important to set proper expectations from the very beginning of your home application. To do this, we offer rate quotes where you will be asked a few questions to accurately assess your situation and provide you a rate quote before you start your home loan application.

What is a mortgage rate?

A mortgage is a loan to buy a home. When you borrow the money, you promise to repay the loan at an agreed-upon interest rate. That's the all-important mortgage rate borrowers are so interested in. It's just one factor, and no doubt the most important to consider, when you are trying to determine how much a loan will cost you. To borrow the money, the lender will charge you a fee, expressed as an interest rate assessed for the life of the loan. A mortgage is set up so you pay off the loan over a specified period called the term. The most popular term is 30 years. Each payment includes a combination of principal and interest. Typically, each monthly payment includes about one-twelfth of the annual cost of property taxes and homeowners insurance. The lender often collects this money in an escrow account, and may even pay the taxes and insurance when they're due.

What’s the difference between interest rate and APR?

The interest rate is the percentage that the lender charges for borrowing the money. The APR, or Annual Percentage Rate, is supposed to reflect a more accurate cost of borrowing. The APR calculation includes fees and discount points, along with the interest rate. APR is a tool used to compare loan offers, even if they have different interest rates, fees and discount points. A major component of APR is mortgage insurance — a policy that protects the lender from losing money if you default on the mortgage. You, the borrower, pay for it.

What is a home loan pre-qualification and why does it matter?

A mortgage pre-qualification is a letter from a lender indicating the type and amount of loan you can qualify for. The pre-qualification letter is issued after the lender has evaluated your financial history — including pulling your credit report and score. Getting pre-qualified for a mortgage helps you shop for homes within your means and shows you’re a serious buyer. Getting pre-qualified also helps you find a mortgage lender that can work with you to select a home loan with an interest rate and other terms suited to your needs.

When should I get a pre-qualification for a home loan?

The best time to get a pre-qualification is just before you start shopping for homes. By verifying how much you’re qualified to borrow, pre-qualification helps you decide what you can afford. (However, you may not want to spend as much on a home as the amount you can borrow.)

How long does a home loan pre-qualification last?

The time frame varies by lender, but commonly a mortgage pre-qualification is good for 90 days. The pre-qualification letter may have an expiration date on it. If you’re still shopping for homes after that point, you can ask the lender to renew the pre-qualification. You may need to provide updated information, and the lender may check your credit again.

How long does it take to complete and online application?

Our online application takes only a few minutes to complete or as long as it takes to answer a few quick questions about your financial situation. Typically, it takes 15 minutes or less.

What do I do after I complete my application?

Our online application is a comprehensive tool that will provide all the resources you need throughout the home loan process. Once your application is submitted, you’ll use the online portal to view tasks that are assigned to you, see the status of your loan and even send private messages to our team should you need to reach them. Once you have submitted your application, expect a call from our team to introduce themselves, then you’ll start seeing emails from us explaining different tasks have been assigned to you. You’ll log back into the application to see these tasks and submit documents directly to your loan file.

Where can I access my in-progress application?

Right here

Do you offer land only loans?

CU Members Mortgage does land only in Texas and Colorado and only for short duration in conjunction with a construction loan.

Do you offer loans for manufactured homes?

CU Members Mortgage does not offer loans for manufactured homes.

Where can I learn more?

All loans are for US properties only.

AdelFi has partnered with CU Members Mortgage to offer our members the best mortgage lending solution. CU Members Mortgage is a division of Colonial Savings, F.A., a well-established and respected mortgage company dating back to 1952. CU Members Mortgage specializes in offering credit unions home loan products at competitive rates and terms to share with their members.

NMLS: 2167559. Note: For all FAQ questions, Nerdwallet was used for formulating questions and answers.