Fox Communities Credit Union
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As a member of a credit union, you are an owner. You have a share in our future. 
At Fox Communities, our lending decisions are made right here - locally. 
We provide the right services for you to manage your money. 
For over 80 years, we've been here, in your neighborhood. We're friends and we're family. 
Make “this is the one” happen
Buying your first home or simply the home of your dreams? We have the people and programs to get you “the one” faster — as in, within 30 days of completing your application.
Expert mortgage lenders who average 20 years experience
Online loan applications and approvals | Get pre-qualified within one business day
Loan decisions made locally, with faster responses
Over 20 locations to serve you
When it’s time to decide on your dream home, you need a mortgage partner who can make it happen. At Fox, you come first.
Make “we can afford it” happen
Know what to expect, from application through closing. Our knowledgeable mortgage lenders work hard to make the mortgage process easier to understand—and get you the right program for your needs and budget. Fox Communities also offers:
Down payments as low as 3%
Fixed Rate and Adjustable Rate Mortgages (ARMs)
Biweekly payment options
Online loan management
Down payment plus program1 – up to $6000 may be available for the purchase of your home.
Mortgage Calculators
Making life happen for first time home buyers
If you think home ownership is beyond your reach, we’re here to tell you we’ve got mortgage solutions to fit your budget, your needs, and your dreams. And if you’re a first-time home buyer, our mortgage experts will walk you through our mortgage options tailor-made for first-time homeowners – including a 7-year Adjustable Rate Mortgage2, a 10-year Adjustable Rate Mortgage2, and a 30-year Fixed-Rate Mortgage.3 All our first-time home buyer mortgage options are exclusive to those who have not owned a home in the last three years, and feature:
Low down payment options
Reduced mortgage insurance costs
Reduced closing costs
Get started today!
Rather build your dream home?
We can make that happen, too. See if our Single-Close Construction Loan is right for you.
Are you thinking of purchasing a spec home, or builder-financed new construction? We offer an extended rate lock program.
Learn more about our Extended Rate Lock Program. Have questions? Please contact us and we’ll be happy to help!
Mortgage Calculators
The Calculators found on this page are for information purposes only and is based on information and assumptions provided by you. The calculations provided should not be construed as financial, legal, or tax advice. While the results of the calculators may be generally accurate, the results do not reflect any specific Credit Union accounts, loans or other products or services and may not exactly match the calculation methods used by the Credit Union. The calculators should be used for general informational purposes and should not be relied on for any specific transaction.
1 Down Payment Plus® is a program from the Federal Home Loan Bank of Chicago. Restrictions and eligibility requirements apply. Please see the Federal Home Loan Bank of Chicago’s website at www.fhlbc.com for complete requirements. “Down Payment Plus®” is a registered trademark of the Federal Home Loan Bank of Chicago. Funds for the program are limited and will be awarded on a first come-first serve basis until all funds have been used for the calendar year.
2 All Adjustable-Rate Mortgages (ARMs) are fixed for a designated period (ex.7 or 10 years), and then adjusted at specified frequency thereafter. Rate may increase yearly, by a maximum of 3% above the initial interest rate, and every year thereafter 2%, with a max lifetime cap of 5%. After the initial fixed rate period, your interest rate can increase or may decrease every year according to the market index. ARM APR and monthly payment assume an amortization schedule of 30 years.
Payment examples based upon a loan amount of $180,000 with 80% loan -to-value for single family primary residence, and a representative credit score of 725+. For variable rate transactions, the payment will vary based on the sum of the index and margin, and payment example is based on a reasonable current index and margin. Examples reflect principal and interest only payments, and does not include PMI, taxes, insurance, or other applicable escrows. Your actual payment may be higher. Your actual APR will be based upon your final loan amount, creditworthiness, and applicable costs. Payment examples are for sample purposes only and are subject to change at any time. Additional closing cost may apply. See a Mortgage Loan Officer for details. All loans are subject to final credit approval and membership required. Qualification do apply.
Payment examples:
|
Term2 |
Interest Rate |
APR* |
Payment Amount |
Years |
|
7/1 ARM |
5.500% | 6.541% |
$1,022.02 |
1-7 |
|
7/1 ARM
|
7.49% |
7.513% |
$1,261.21 |
8+ |
|
Term2 |
Interest Rate |
APR |
Payment Amount |
Years |
|
10/1 ARM |
6.125% | 6.667% |
$1,093.70 |
1-10 |
|
10/1 ARM |
7.49% |
7.513% |
$1,216.60 |
11+
|
|
Term3 |
Interest Rate |
APR |
Payment Amount |
Years |
|
30-Year Fixed |
6.125% | 6.36% |
$1,093.70 |
30 |
*APR=Annual Percentage Rate. Rates, terms, and conditions effective as of 12/20/2022.
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