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Home Ownership

Is Now The Right Time To Buy?

This question is among the most common members ask in a rising rate environment. At NCACU, we don’t want you to keep your dreams on hold. Despite rising rates in the past year, our affordable mortgage options can keep your dream home within reach.

Home buying doesn’t stop just because rates have edged up. When rates are higher, you may be able to buy a home at a more affordable price. Home buying is cyclical, and rates vary. When rates drop, new buyers typically flood the market, which can spike home prices.

What the experts say:

Take a look at our Facebook video featuring Real Estate Mogul & Business Expert Barbara Corcoran. Barbara built the largest residential realty in New York, and now she’s a Shark on ABC’s hit reality show, Shark Tank. She shares similar sentiments about buying a home now rather than waiting for rates to drop.

Affordable Options

At NCACU, we offer many flexible financing options to help you secure your dream home. We’ll work with you to ensure payments fit your budget while keeping costs low. No-cost mortgages are also available to qualified buyers.*


  • Choose terms of 15, 20, or 30 years.
  • Refinance or buy new.
  • Get preapproved so that you can move quickly!

Ready to build?

Many members aren’t aware we offer Construction Loans – but we do! If you’re planning on building your dream home, see us first.

Construction Loans

  • Easy and simple application.
  • Flexible draw schedules.
  • Fast draw funding.

Your first step is purchasing a lot and then researching the type of home you want to build. You’ll also want to find a reliable, experienced builder. Along with these items, securing affordable financing is vital. It pays to work with someone you can lean on when constructing your home.

Service is the priority at NCACU:

  • Local, Trustworthy Service – Decisions are made right here, and you work with people you know and trust.
  • Flexible Terms – Customize your mortgage and choose a term right for you.
  • Local Servicing – Enjoy guidance every step of the way! We’ll service your loan for life, and you’ll always make your payments to NCACU.

The time is now.

Our application is easy and convenient, centered on your needs. And if you’re new to the home-buying process, we’ll explain it in detail, so you feel comfortable and better informed. Ed Ross, our mortgage specialist, will be with you every step of the way!

Contact Ed Ross:

E-Mail: | Office: (616) 532-9067 ext. 405 | Cell: (616) 340-3014 | NMLS # 116912

*No-Cost applies to qualified borrowers only with a credit score of 700 or more. This includes the payment of application fees and other closing costs. Other restrictions or conditions may apply. See the Credit Union for complete details.