Mortgage Loans

CCCU First Mortgages

Be as happy with your loan as you are with your home.

Whether you're buying your first house or your last, moving up, refinancing, or building credit along with equity, we can help.

Choose the best programs to fit your situation, including:

• Fixed Rate Mortgage.
• Jumbo loans.
• Loans with 1st and 2nd combo.
• Adjustable rate mortgage programs.
• FHA/VA/Conventional Loans.
• Purchases and Refinancing.
• First-Time Homebuyer Programs.

CCCU's Home Mortgage Loan Officers are also licensed to act as mortgage loan brokers from multiple lenders.

Clark County Credit Union:
Nevada state MLD Lender #3521
NMLS Registry #371854

First-Time Home Buyers

We're here to help you move from renting to owning a home! 

Middle Income Downpayment Assistance Program

You may be eligible for a matching grant of up to $50,000 to help you achieve your homeownership goal! The Middle Income Downpayment Assistance program is designed to help first-time homebuyers who earn between 80.01% to 140% of the area median income (AMI) purchase a home. Here's how it works:

• You contribute a minimum of $10,000 toward your down payment and closing costs.
• You apply for a mortgage loan from CCCU and meet our underwriting standards.
• You complete an approved homebuyer education and counseling program.
• You receive a matching grant of up to $50,000 to apply to your down payment and closing costs

You need to act fast because the funds are limited and available on a first-come, first-served basis. Call us today at 702-228-2228 to learn more about the eligibility requirements and the application process. Our Home Loan Team is here to help you make your homeownership dream a reality.

WISH 4-to-1 Program*

Our Wish Program provides low-to-moderate-income individuals and families with a 4-to-1 matching grant to get them on the journey to home ownership. To be eligible, the homebuyer must:

• Have completed a homebuyer counseling program.
• Be a first-time homebuyer, as defined by CCCU. 
• Meet income eligibility guidelines, at the time of enrollment in the WISH Program.
• Be at or below 80% of the HUD area median income.

Call 702-228-2228 to speak to a Mortgage Loan Officer about the WISH Program today!

*Enrollment in the WISH Program does not guarantee the homebuyer's receipt of program funds. 

Home is Possible

This is an interest-free down payment assistance program of up to 4% of the total loan amount. With its competitive interest rate, homebuyers have more buying power and can use the funds for their down payment and closing costs. To be eligible, the homebuyer must:

• Be a first-time homebuyer (have not owned a home in the past 3 years)
• Have a maximum purchase price and income limits by county
• Have a minimum credit score of 640
• Maximum debt ratio up to 50% based on credit score and loan type (talk to CCCU about the guidelines)
• Live in the home as a primary residence
• Meet standard underwriting requirements
• Complete homebuyer education course

Ready to take the first step? Speak to a Mortgage Loan officer at 702-228-2228 today!

Fixed-Rate Home Equity Loans

Does your home have equity you’d like to tap into for repairs, remodels, investing, or another expense? A home equity loan will allow you to take out a lump sum of money using your home as collateral.

• Can be a primary, secondary or investment property.
• $50,000 or more loan amount.
• Terms from 5 to 15 years.
• Minimum 620 FICO

Call 702-228-2228 for rates and other details.

Get Started

TruHome Servicing Frequently Asked Questions

Q: How do I contact TruHome?
A: Please contact them at (877) 204-0569.

Q: Who is TruHome Solutions (THS)?
A: TruHome Solutions is a mortgage banking company formed in 2004. They provide several financial services including mortgage servicing. THS focuses on providing services to credit unions and they support more than 50 credit unions and regional banks, nationwide. THS oversees a loan portfolio of more than 70,000 loans totaling $11 Billion.

Q: Was Clark County Credit Union purchased by THS?
A: No, THS will be a vendor of the credit union with no ownership.

Q: Did Clark County Credit Union purchase THS?
A: No, the credit union will have no ownership in THS.

Q: Why is Clark County Credit Union moving its loan servicing to TruHome?
A: Because THS focuses their business on assisting credit unions and small to midsize banks, the credit union’s management team believes the level of member service and loan product opportunities will increase for our members. THS has a reputation throughout the mortgage industry for the standard of service and personal attention that members of credit unions receive.

Q: How will this change impact me?
A: We expect the impact on our members to be minimal. Your loan number will remain the same and you will still be able to make payments in the same way you did prior to this change. You may need to redirect your automatic payments if you pay your mortgage from another institution, and you will have to update your automatic debit form if you pay electronically from your Clark County Credit Union account.

Q: Who will I call if I need assistance with my mortgage?
A: If you need assistance with your mortgage you can continue to call the phone number on your mortgage statement. Once your loan is transferred, that phone number will change, but you will still be able to obtain assistance as in the past by calling the customer service line on your statement.

Q: If I mail in payments, where should I send them?
A: Please direct the payee to “TruHome Solutions.” As a national servicing company, TruHome will probably be on your other financial institution’s list of payees who accept electronic payments. If this is not the case, you can set up the account using the address below:

TruHome Solutions, LLC
P.O. Box 219958
Kansas City, MO 64121-9958.

Q: If I make payments over the phone, how can I continue doing this:
TruHome will accept payments over the phone payments. There is no charge for this service. You can reach the payment center by calling 866-217-6113.

Q: What if I make my payment through a pre-authorized automatic payment arrangement
(ACH):
A: It will be necessary for you to re-establish that arrangement with TruHome Solutions. Your Welcome Letter from TruHome will include the form authorizing TruHome Solutions to debit the account you designate for future payments.