Real Estate Loans

Mortgages – Perfect for New or Experienced Home Buyers

Real Estate Loans from Oak Trust Credit Union

Whether you are financing your first home or moving to a new home, we offer smart, simple solutions to fit your needs. Choose from a full range of home financing options, including fixed and adjustable rate loans. Special programs are available for first time home buyers and borrowers with imperfect credit.

You can count on Oak Trust for competitive rates, low closing costs and knowledgeable professionals to guide you through the entire loan process.

Homeowners Insurance Program – Rent or Own, the truSTAGE® Auto and Homeowners Insurance Program will protect it all. Click for a FREE rate quote.

Apply for a Mortgage today!


Home Equity Loans – Fund Nearly Any Project or Purchase

If you’re a homeowner, and you are looking to fund a major expense, you can use the collateral in your home as a low-cost source of credit. Consider a Home Equity Loan for home improvements and remodeling; major purchases like appliances, furniture or electronics; college tuition and expenses; vacation or wedding expenses; debt consolidation; and more!

There are three types of Home Equity Loans to choose from. No matter which one you choose, you’ll benefit from low fees and tax-deductible interest in most cases. Please consult your tax advisor for details.

Fixed Rate Home Equity Loan: Perfect when you need one lump-sum disbursement and equal monthly payments.

  • Loans up to 80% of the equity in your home
  • Borrow as little as $10,000 or as much as $200,000
  • Interest rate and payment are fixed for the life of the loan
  • No prepayment penalty

Equal Housing Lender Home Equity Line of Credit (HELOC): Perfect if you need a more flexible solution.

  • Loans up to 80% of the equity in your home
  • Credit lines ranging from $10,000 to $200,000
  • Access the funds by writing a check, transferring money into your checking account, via Online Banking or telephone banking services.
  • No prepayment penalty


Oak Trust Credit Union provides mortgage services to members in the following areas:
Plainfield | Aurora | Joliet | Naperville