First Time Home Buyer
Fetch Your Dream Home
Unlock the potential
Your First Home is Closer Than You Think
At Capital Credit Union, we believe in making homeownership possible for everyone. Through the Downpayment Plus® program, eligible first-time homebuyers can receive up to $10,000* to help cover down payment and closing costs.
Up To $10,000* for Down Payment and Closing Costs
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Homebuyers must meet income eligibility requirements and:
Contribute at least $1,000 to the purchase of the home
Complete pre-purchase homebuyer education and counseling
Live in the home as your primary residence
*Downpayment Plus® is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago's website at www.fhlbc.com for complete requirements. "Downpayment Plus® " is a registered trademark of the Federal Home Loan Bank of Chicago.
Apply Now Schedule Appointment
Contribute at least $1,000 to the purchase of the home Complete pre-purchase homebuyer education and counseling Live in the home as your primary residence *Downpayment Plus® is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago's website at www.fhlbc.com for complete requirements. "Downpayment Plus® " is a registered trademark of the Federal Home Loan Bank of Chicago.
Apply Now Schedule Appointment
Explore more options
More Ways to Make Your Dream Home a Reality
At Capital Credit Union, we're here for every stage of your homeownership journey.
Whether you're ready to upgrade, build your dream home from the ground up, or make refinancing work for you, we offer personalized solutions designed to fit your needs.
Whether you're ready to upgrade, build your dream home from the ground up, or make refinancing work for you, we offer personalized solutions designed to fit your needs.
HOME PURCHASE
You're one step closer to realizing the dream of homeownership. Whether you're a first-time home buyer, finding your dream home, or purchasing your vacation home. We will guide you every step of the way. View rates.
HOME REFINANCE
Looking to lower your payments, payoff your mortgage faster, or cash out for that project you've been looking to complete? Refinancing your mortgage might make sense. View rates.
CONSTRUCTION AND LOT LOANS
Our construction and lot loans provide you with the flexibility and financial support you need to make your vision a reality.
Additional Resources
Mortgage calculators
The following online calculators serve as helpful tools during the mortgage process.
Get a home insurance quote
Your home is a big investment, so make sure it's covered. Enter in your information and get a free quote.
Home loan checklist
To ensure an efficient and seamless process from start to finish. Please gather the following documents and identification ahead of time.
Text us at 920.789.2416
If you have a quick question, send us a text and one of our mortgage lenders will get back to you as quickly as possible.
Let's build your future together
Meet Our Team
Our team is ready to assist you. So when you're ready, set up an appointment to discuss your situation with us.
Adam Havel
Darboy
AdamH@capitalcu.com
920.494.4541 ext. 3345
NMLS# 1989125
Get Started
Schedule Appointment
Amy Larson
Wisconsin Ave - Appleton
AmyL@capitalcu.com
920.494.4541 ext. 4301
NMLS# 757159
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Beth Krueger
Neenah & Oshkosh
BethK@capitalcu.com
920.494.4541 ext. 3356
NMLS# 794940
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Schedule Appointment
Christine M Haynes
Wisconsin Ave - Appleton
Christine.Haynes@capitalcu.com
920-494-4541 ext. 5101
NMLS# 762198
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Schedule Appointment
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Cristina Radichel
Eisenhower Dr - Kimberly
Cristina.Radichel@capitalcu.com
920.494.4541 ext. 1150
NMLS# 2669550
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Schedule Appointment
Gloria Barrientos
Main St & College Ave
GloriaB@capitalcu.com
920-494-4541 ext. 3262
NMLS# 2166355
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Jacob Keyser
Cardinal Ln - Howard
JacobK@capitalcu.com
920.494.4541 ext. 3070
NMLS# 1139181
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Kris Peterson
Eisenhower Dr - Kimberly
Kris.Peterson@capitalcu.com
920.494.4541 ext. 1190
NMLS# 555849
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Laura Van De Walle
Ledgeview & De Pere
LauraV@capitalcu.com
920.494.4541 ext. 3104
NMLS# 756437
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Mary Hietpas
Little Chute
MaryH@capitalcu.com
920.494.4541 ext. 4104
NMLS# 756780
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Meggie Sawyer
Door East
Meggie.Sawyer@capitalcu.com
920.494.4541 ext. 1046
NMLS# 2166406
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Michelle Walker
Shawano
MichelleW@capitalcu.com
920.494.4541 ext. 3265
NMLS# 759465
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Savannah O'Shaughnessy
Huron Rd - Green Bay
SavannahO@capitalcu.com
920.494.4541 ext. 3087
NMLS# 433789
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Shannon Kehler
Lineville Rd - Howard
ShannonK@capitalcu.com
920.494.4541 ext. 3707
NMLS# 433790
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Steve Siebert
Morris Ave - Green Bay
Steve.Siebert@capitalcu.com
920.494.4541 ext. 1134
NMLS# 283936
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Schedule Appointment
Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending is available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. This data is available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda(Opens in a new Window)). HMDA data for many other financial institutions are also available at this Web site.
The HMDA data about our residential mortgage lending is available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. This data is available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda(Opens in a new Window)). HMDA data for many other financial institutions are also available at this Web site.
*Rate may increase after initial period. **4.99% initial rate for 3 years, 6.380% APR after initial rate period.
Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on loan terms and borrower qualifications. Maximum loan amount at these rates is $832,750.00. ARMs require 5% down payment with Private Mortgage Insurance (PMI), PMI is not required with greater than 10% down. Rate adjusts based on 1-year U.S Treasury CMT index plus 2.75% margin. Maximum annual adjustment is 2%; maximum lifetime adjustment is 5%. No conversion option. Additional rates and terms are available. Promotion valid 8/3/2026 – 8/31/2026. Membership eligibility required. Federally Insured by the NCUA. NMLS#442983.
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