Move Ahead - $1000 Off Closing Costs

Mortgages

Blaze the Trail to Your Perfect Home!

Your trusted local mortgage lender, guiding you every step of the way.
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Today's Rates

As low as
View Rates
Fixed Mortgage
5.615
%
APR*

10 year fixed

Balloon Mortgage
5.784
%
APR

5 year balloon

Vacant Land
6.982
%
APR

3 year balloon

Move Ahead With No Wildfire Fees

For a limited time, our Move Ahead mortgage promotion gives you $1,000 off your mortgage closing costs, helping you keep more money in your pocket as you move into your next chapter.

Mortgage Closing Cost Comparison

Disclaimers:

*APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval.

** Comparison only reflect origination fees that are paid to the credit union and do not include other closing costs associated with doing a mortgage loan, such as appraisal fee, credit report fee, title fees, recording fees, etc.

Mortgage Loan Types

Plant Roots. Build Dreams.

Purchase

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Purchase Home

Start your new home loan journey with us and get preapproved for a mortgage today.

  • Choose from Various Fixed and Balloon Rate options
  • Use for your primary residence or a second home getaway
  • 3% down payment option for Fixed Rate and 0% for Balloon Rate
  • 90 Day Rate Lock on preapprovals
Apply for Purchase

Refinance

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Refinance Home

We're here to help you secure a lower rate, fund home improvements, or access cash when you need it. 

  • Choose from Various Fixed and Balloon Rate options
  • Use for your primary residence or a second home getaway
  • Refinance your current Wildfire mortgage to adjust rate and term for just $1,000
Apply for Refinance

Land

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Vacant Land

Take the first step toward property ownership—whether you're planning your future home or securing the perfect hunting retreat.

  • Properties with no dwelling and are non-income producing (ex. farming)
  • Borrow up to 70% of purchase/appraised value
  • Refinance existing Vacant Land loans
Apply for Vacant Land

Calculate Your Mortgage Payments

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%
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Monthly Payment:
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Total Interest:
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Mortgage Amortization Schedule


(Click legend items to toggle visibility on the chart.)

 

*PMI rates are an example based on 90 - 95% LTV and will not necessarily represent a borrower's exact PMI rates.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from our Wildfire Credit Union mortgage professionals regarding all personal finance issues.

Real Estate Rates

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Please Note: Rates are subject to change without notice. Loan rates listed here represent our best rate and not all members will qualify for the best rate. The actual interest rate available to you will be based on your credit history and LTV (Loan to Value) and may be different from the rates disclosed below.

APR amount calculations assume a 20% down payment has been made for a final loan amount of $120,000. All payment examples are for principle and interest only. Property taxes and home owners insurance are not included.

Mortgage applicants please read our Mortgage Applicant Disclosure.

 

Fixed Mortgage

Effective Date: - 12:00 A.M. EST
Term Rate APR (As low as) Payment per $1,000 borrowed
10 Year Fixed 5.375% 5.615% $10.80/mo
15 Year Fixed 5.375% 5.543% $8.11/mo
20 Year Fixed 5.875% 5.984% $7.10/mo
30 Year Fixed 5.875% 5.977% $5.92/mo

Balloon Mortgage

Effective Date: - 12:00 A.M. EST

A balloon payment will result if only principal and interest payments are made during the term of the loan.

*Based on maximum Amortization Period.

**Balloon repayment and option to refinance example: If you borrow $120,000 at 5.784% APR for a 360-month amortization, 60-month balloon term, you will make 59 payments of approximately $681.35 and one final payment of approximately $111,633.88. All or a portion of the final payment may be refinanced with qualifying credit worthiness.
Balloon Amortization Period Rate APR (As low as) Payment per $1,000 borrowed*
5-Year Balloon** 30 Years 5.500% 5.784% $5.68/mo
7-Year Balloon** 30 Years 5.750% 5.972% $5.84/mo
10-Year Balloon** 30 Years 6.000% 6.176% $6.00/mo

Vacant Land

Effective Date: - 12:00 A.M. EST

A balloon payment will result if only principal and interest payments are made during the term of the loan.

*Based on maximum Amortization Period.

†Balloon repayment and option to refinance example: If you borrow $50,000 at 6.982% APR for a 180 month amortization, 36 month balloon term, you will make 35 payments of approximately $435.55 and one final payment of approximately $43,907.55. All or a portion of the final payment may be refinanced with qualifying credit worthiness.
Balloon Amortization Period Rate APR (As low as) Payment per $1,000 borrowed*
3-Year Balloon† 15 Years 6.500% 6.982% $8.72/mo
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90 Day Rate Lock

Shop with confidence knowing the rate you were approved for is valid for 90 days.
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Refinance for $1,000

Adjust your rate and term on your current Wildfire mortgage. Reach out for more information!

Our Mortgage Team

What are people saying ?

Real stories from members who trust Wildfire.
Review Us

"Cheryl, Kara, and Barb in the mortgage department all deserve raises after helping us buy our house. They stayed involved and personally invested in every step and celebrated with us as if THEY were moving. My family has been with Wildfire for over 50 years and I wouldn't recommend anyone else."

Lindsay
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"Very easy to apply and was able to do everything online."

Ella
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"Everything is so simple. No issues. Friendly staff. Good rates."

Mike
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"Wildfire is the best, nicest, most excellent, competent, and always has the best loan and savings rates around."

Kim
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"We were treated like we were family, not an outsider like other banks and credit unions do."

James
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"Very friendly and knowledgeable loan rep.  Loved getting the extra $200.00!  My son will need a mortgage loan soon and I will recommend Wildfire!"

Robert
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"We have been with Wildfire for over 30 years. We appreciate your care and will continue to come to you for future loans and other banking needs."

Linda
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Escrow Account FAQs

What is an escrow account?

An escrow account is established to hold money collected by your lender to pay your hazard insurance (homeowners insurance), mortgage insurance (PMI) and property taxes when they become due.

Your monthly mortgage payment includes an amount, approximately 1/12 of the anticipated total annual tax and insurance due. This account may contain a cushion, also referred to as a reserve.
What is a cushion?
The cushion is a required dollar amount to remain in the escrow account to offset unanticipated increases in the property tax amounts or insurance premiums. This amount cannot exceed 1/6th of the total amount of items paid out of the escrow annually.
What is a shortage?

A shortage occurs when your escrow account does not have sufficient funds to pay for property taxes and/or insurance premiums. Unexpected increases to the items paid through your escrow account can cause a shortage. For example: if property taxes increase from the prior year, your escrow account must fund the full amount due. The difference would be included in the shortage amount. You will have two options to pay the shortage:

  1. Pay the shortage amount in one full lump sum. Typically, your monthly mortgage payment will still increase but for a lower amount than when choosing option 2. If you would like to pay your shortage in full, please contact the Mortgage Servicing department, no later than February 26th, 2025 to allow time for escrow analysis to be re-ran. 989.249.8200, ext. 1004.
  2. Pay the shortage amount monthly with your mortgage payment. The shortage will be spread over 12 months and added to the monthly payment. This will happen automatically as part of the escrow analysis process.
Can the monthly escrow payment still change without a shortage occurring?
Yes. If any annual disbursements change, the monthly collection amounts will be calculated based on the new amounts due.
What is an overage?

An overage occurs when your escrow account has more funds than required at the time of the analysis. For example: if your insurance premium decreased from the year prior, the premium amount paid would be less than anticipated. The difference would be included in an over amount. The overage amount will be refunded in one of two ways:

  1. If the overage is less than $50, the funds will remain in the escrow account.
  2. If the overage is over $50, and your loan is current a refund check for the overage amount will be included with Annual Escrow Account Disclosure Statement and mailed to you.
    • The overage amount cannot remain in the escrow account or be treated as a prepayment of escrow funds. Real Estate Settlement Procedures Act (RESPA) requires the overage funds to be sent back to you.
How to Read Your Annual Escrow Account Disclosure Statement

An escrow analysis of your escrow account is completed annually to determine if sufficient funds are being collected. You will receive the results to the escrow analysis on an Annual Escrow Account Disclosure Statement.

FAQ escrow analysis FAQ image one.

*Click on the image to make it larger.

The second page of the Annual Escrow Account Statement includes an account history detailing actual deposits and disbursements from the escrow account since your previous analysis.

FAQ escrow analysis FAQ image two.

*Click on the image to make it larger.