Whether you're a first-time homebuyer or just need mortgage advice, we can help.

No two households’ financial needs are the same. You can trust that St. Joseph's Credit Union will provide you with honest advice and mortgage products that fit your needs. We will help you on your journey to achieving your homeownership goals.

Book an appointment with one of our mortgage experts. We will provide you with honest advice when it comes to saving for a down payment, buying a home, refinancing, renewing, using the equity in your home, renovations, energy efficient upgrades such as a heat pump, reviewing incentives for first-time homebuyers, and more.

Check out our helpful mortgage calculators to determine how much you can borrow, estimate your mortgage payment, compare scenarios, and to see which mortgage product is right for you.

Buying your first home? Check out our Guide to Homebuying for information designed specifically for you.

For homeownership tips and advice, check out our mortgage articles, videos, and podcast episodes on

Click here to view our mortgage rates.

*On approved credit. Certain terms and conditions apply. 5-year fixed rate.


Expert Articles

Whether you’re just getting started or are fully immersed in the pursuit of home
financing information, these links will help you educate yourself on programs, expert
tips and go-forward strategies that will serve you well on your home-ownership journey.

Making Your Dream Home A Reality
A program that can bring your dream home within reach. Learn more

Tips for Maintaining Your Home
Find tips and ideas that help you avoid getting stuck with unexpected costs. Learn more

Is Home Ownership Right for You?
Find questions that will help you discover your answer. Learn more

The Real Home Financing Cost Checklist
Use this easy checklist to help you consider all the costs of home financing. Learn more

How Does Your Down Payment Impact Your Mortgage Options?
Your down payment will impact the type of mortgage you qualify for. Learn more

How Can You Save Money?
Discover strategies to help you pay off your mortgage faster, saving you money. Learn more

Learn the Mortgage Basics
Conventional Mortgage or High Ratio Mortgage? We compare features and benefits. Learn more

Looking to Renovate?
Which is best for you? Refinancing or Home Equity Line of Credit. Learn more

Meeting Checklist
Be prepared for your meeting with a mortgage specialist with this handy checklist. Learn more

Make the Most of Investing In a Home
Find programs that could offer you incentives when buying or renovating. Learn more

 Loan Application