Keep it local

Whether you're buying, building or refinancing your dream home, we have mortgage loans to fill all kinds of scenarios with great rates and low fees. And, you can expect to borrow and pay right here with local service that you can count on from trusted Dupaco staff.

Home loan options

  • Conventional Financing (30, 20, 15 and 10-year terms) 
  • Adjustable Rate Mortgages (5/1 and 7/1)
  • First-Time Homebuyer Loans
  • 100% Financing Loans
  • Lot and Construction Loans
  • Veterans Loans
  • No-Closing Cost Options
  • USDA Financing
  • Mini Mortgage - Accelerated payoff terms, ideal for members who want to pay off their home in 10 years or less

For a limited time, get $600 off mortgage closing costs*

Home improvement loans

Apply online in less than ten minutes.  Prefer in-person or via phone? Schedule an appointment by calling 800-373-7600, ext. 204.

Apply  Free Consultation  Rates  Calculate

Become home buyer ready

Need some financial coaching before you buy a home? Dupaco can help:

  • Credit History Lessons: You'll need a good credit score to get approved for a loan at the best rate possible. A one-on-one lesson to teach members how to drive up and maintain a good credit score. Ideal for first-time home buyers.
  • Money Makeovers: Make sure you're not over-paying for your debt and insurance. A Money Makeover with Dupaco is a free review of a your entire financial picture that looks for ways to pay less and save more, and can also covers credit scores, budgeting, asset review, systematic savings and retirement planning.
  • MoneyMatch Accounts: Teaches money skills and systematic saving habits to eligible participants who may earn a matched savings grant for eligible expenses, like a down payment on a home.

For more information on first-time home buying, mortgage insurance, and other resources and information, click on one of the tabs below.

*This offer is good through May 31, 2019 and applies to Real Estate applications taken by the credit union through and including May 31, 2019 resulting in an approved and disbursed real estate loan at the credit union. This offer is not transferable and may not be used in conjunction with any other discounts, offers or coupons and may not be redeemed in cash. This offer requires Dupaco membership. To be eligible for membership in Dupaco you must live or work in Dupaco’s charter area or have a member of your immediate family be an existing member of the credit union. Commercial loans, Mini Mortgages and Home Equity Loans are excluded from the offer.


First-time homebuyer help

We're here to help you take some of the first steps as you prepare for homeownership.

To start off, we'll meet with you one-on-one to assess your readiness with a free Credit History Lesson and Money Makeover.

And when you're ready to apply, we have mortgage loans that fit the bill and first-time homebuyer help through the Dupaco R.W. Hoefer Foundation First-Time Homebuyer Grant program. Those eligible may receive $1,000 in closing-cost assistance through this Grant.

For more information and eligibility guidelines contact Dupaco's mortgage lending department at 800-373-7600, ext. 204, or

First time home buyers may be eligible for special grant funding, reduced down payment requirements, discounts on closing costs, or a lower interest rate. By consulting with a Dupaco mortgage lender you will know whether you qualify for first time home buyer assistance.

Home Purchase Basics

There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track.

In General....

A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.

Count On Your Real Estate Agent To:

  1. Preview available homes to weed out those that are overpriced, or undesirable in some other way.
  2. Present the homes that suit your needs as you've defined them.
  3. Help you determine the difference between a "good buy" and a property which, because of its nature (location, market appeal, etc.), might have to be discounted if you decide to sell in the future.
  4. Negotiate the best deal for you. With a Pre-Qualification letter from us in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else's -- even if your offer is lower!

Count On Your Dupaco Loan Officer To:

  1. Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)
  2. Keep you informed of your loan status throughout the entire process.
  3. Keep your Real Estate Agent informed of our loan progress (Note: your personal information is always kept confidential between you and us; only deal points and progress are shared).
  4. Get the appropriate loan for you at the best rates and fees. This will save you significant money "up front" and throughout the years to come.

Count On Yourself To:

  1. Keep your Real Estate Agent informed of any questions or concerns as they develop.
  2. Keep the process moving by providing documentation and decisions in a timely manner. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
  3. Enjoy purchasing your home, but do remain objective throughout -- to make the business decisions that are best for you.
  4. Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.

How to get a loan

Throughout the loan-application process, we'll be at the ready to answer your questions and keep you informed of the status of your loan and loan closing.

STEP ONE: Complete Your Loan Application

When you've selected a property and have a contract with the Seller, complete your loan application, which can be done in less than 10 minutes.

At the appropriate time we'll order a property appraisal for you.

STEP TWO: Your Loan is Approved and Funded

Your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly.

We will coordinate with the escrow team and you'll sign the final papers at their office.

Comments (9)
 • 48 days 10 hrs 32 mins 38 secs ago
Would it be possible for someone to email me a mortgage application. My bf and I want to see what we can qualify for but are unable to get together at the same time to do it on the computer. Is there a way to simply run our credit score and see if we even qualify before filling out all the documents

Re: Mortgage
Dupaco Moderator
 • 43 days 14 hrs 17 mins 6 secs ago

Hi Jeni, we'll have someone from our Real Estate department reach out to you.


 • 48 days 10 hrs 32 mins 38 secs ago
Would it be possible for someone to email me a mortgage application. My bf and I want to see what we can qualify for but are unable to get together at the same time to do it on the computer. Is there a way to simply run our credit score and see if we even qualify before filling out all the documents

Re: Mortgage
Dupaco Moderator
 • 43 days 14 hrs 17 mins 6 secs ago

Hi Jeni, we'll have someone from our Real Estate department reach out to you.


Closing costs
 • 62 days 14 hrs 51 mins 33 secs ago
What are closing costs for a $350,000 home in Dubuque County? 20% down.

Re: Closing costs
Dupaco Moderator
 • 43 days 14 hrs 10 mins 18 secs ago

Hi Justin, we'll have someone from our Real Estate department reach out to you.


Rental property
Craig D
 • 277 days 13 hrs 37 mins 23 secs ago
What is dupacos credit score requirements for commercial mortgages?

Re: Rental property
Dupaco Moderator
 • 275 days 10 hrs 31 mins 40 secs ago

Hi Craig, we will have a commercial lender reach out to you. Thanks!


grace period?
 • 1006 days 16 hrs 14 mins 59 secs ago
Is there a grace period for mortgage payments? Our payment is due on the 1st but my husband doesn't get paid until the 5th.

Re: grace period?
Dupaco Moderator
 • 1003 days 16 hrs 27 mins 58 secs ago

Hi Aimee, Yes there is a grace period on your mortgage loan. Payments are due on the 1st with a 15 day grace period. Your payment must be satisfied in full by the close of business on the 16th of each month. Also, we can set up auto payments. You can give our Real Estate department a call at 563-557-7600 / 800-373-7600, extension 204 to get this set up.


Mobile home
Randy H.
 • 1018 days 3 hrs 56 mins 16 secs ago
Was wondering if u guys finance for mobile homes in the cedar rapids area.

Re: Mobile home
Dupaco Moderator
 • 1017 days 17 hrs 38 mins 57 secs ago

Hi Randy, yes, we do finance mobile homes. I will have a lender from one of our Cedar Rapids branches reach out to you today.


Time Share Purchase
 • 1044 days 5 hrs 18 mins 29 secs ago
Does this type of property qualify for a motgage?

Re: Time Share Purchase
Dupaco Moderator
 • 1043 days 9 hrs 15 mins 1 sec ago

Hi Tanya, we currently do not have a Time Share Purchase mortgage financing option.


Flood Insurance Policy on Mortgage
 • 1054 days 18 hrs 43 mins 30 secs ago
I would like to know what Dupaco requires for flood insurance? Example if my loan is $70000 would you require enough to cover balance of loan or would you require enough to rebuild home?

Re: Flood Insurance Policy on Mortgage
Dupaco Moderator
 • 1052 days 17 hrs 30 mins 52 secs ago

Hi Joann, someone from our Real Estate department will reach out to you.


Manufactured Home loan
 • 1408 days 17 hrs 32 mins 53 secs ago
What is different about your manufactured home loans compared to a standard mortgage?

Re: Manufactured Home loan
Dupaco Moderator
 • 1406 days 15 hrs 54 mins 39 secs ago

Sophia, Manufactured homes are typically handled in the Consumer Loan Department, unless the subject property is a double wide and affixed permanently to the land.


Down Payment
Drew I.
 • 1415 days 13 hrs 6 mins 31 secs ago
Aside from a first time buyer program, do you offer mortgages that have zero down payment?

Re: Down Payment
Dupaco Moderator
 • 1408 days 14 hrs 52 mins 22 secs ago

Hi Drew, The only zero down payment loans currently available are a Veterans mortgage and Rural Housing. So the borrower would either have to be a veteran, or the property has to meet the Rural Housing guidelines. Thanks!


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