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Our competitive interest rates and convenient application process make KEMBA the right choice for all your borrowing needs. Check out our rates!

Mortgages

Whether you’re buying your first home or moving to a new one, KEMBA’s staff is committed to making the time-consuming, and sometimes complicated process of buying a home easy. You have many choices for financing a home at KEMBA. We can finance up to 95% Loan-to-Value and still allow you to enjoy competitive market rates. Now you can be approved online. Just visit KEMBA's Online Mortgage Center.

Click here to apply for a mortgage today!

Traditional Mortgages

This conventional, fixed-rate loan provides the security of knowing that your monthly payment will stay the same throughout the life of the loan. You’ll get a fixed interest rate and a fixed monthly payment. Choose from 10-year, 15-year or 30-year terms.

Adjustable Rate Mortgages

An Adjustable Rate Mortgage (ARM) usually begins with a low initial rate that can rise or fall depending on current market rates. Our ARM Loans have "caps" which limit how much the interest rate may change at a single adjustment and over the life of the loan. Choose from a 3-year, 5-year or 7-year term.

Balloon

A balloon mortgage can be an excellent option for many home buyers. Choose from a 3-year, 5-year or 7-year term. Your payment is based on a term of 30 years. At the end of your loan term, you can refinance your loan, buy a new home or pay it off.

Special Mortgage Programs

We offer FHA/VA financing as well as BOND program financing for all our members.