skip to Main Content

If you're a first-time homebuyer, you may be eligible to receive a $1000 Dupaco R.W. Hoefer Foundation grant for down payment or closing cost assistance. To qualify, you must meet grant program requirements, including:

  • Financing your mortgage through Dupaco
  • Meeting household income eligibilty limits
  • Completing an online homeownership course

These grants are offered on a limited basis. A Dupaco mortgage lender can help you apply for one during your mortgage loan application process.

Have questions? Need assistance?

Contact our Real Estate team at or 800-373-7600, ext. 204.

Thank Use EligibleAre you building or buying your dream house? Or refinancing the place you already call home? You can count on Dupaco to make the process much less stressful!

Understand the Process

Since most people don’t apply for a mortgage very often, the process can seem intimidating and confusing. So we created a handy guide to help you understand and prepare for your homebuying journey. Use it to:

  • Figure out if you’re ready to buy a home
  • Learn the steps of the home buying process
  • Discover the latest tips and tools for homebuyers

See the guide

Buy or Refinance a Home

We offer competitive rates and a variety of terms, so you can be sure we’ll come up with options that are right for you. And unlike the big banks, we’ll never sell or outsource your loan. From application to closing, payments, and beyond, you’ll feel right at home with Dupaco.

Want choices? We’ve got them. Our homemade mortgages can be custom-fit to your exact goals and needs:

Conventional Mortgage

Competitive rates, multiple options

  • For purchase or refinance
  • Cash-Out & Debt Consolidation options available
  • Fixed-rate for 15, 20, or 30 years
  • Standard closing time & costs


Shorter term, simple interest

  • For straight refinance only
  • Borrow just what you currently owe on your home
  • Fixed-rate for 15-years or less
  • Minimal closing time & costs
Rates are effective as of 04/01/2020 at 7:30 AM CT and are subject to change without notice.

Mini-Mortgage payment example for illustrative purposes only: If you borrow $50,000 at 2.75% annual percentage rate (APR) with a 10-year term, your minimum monthly payment obligation would be $477.06. Over the life of the loan, you will pay $7,246.62 in interest.
1 Mini-Mortgage Rates: Subject to credit qualification. Up to 80% maximum loan to value based on an appraisal. Member is responsible for closing costs, which could be less than $400. Repayment terms of 15-years or less available. The Annual Percentage Rate (APR) varies based on the program selected. Selected APR will remain fixed for the duration of the term of the loan. Owner-occupied property only. Property insurance required. Rates subject to change without notice.
30-Year Fixed Conventional3.375%0.00%3.5002%
20-Year Fixed Conventional3.25%0.00%3.4246%
15-Year Fixed Conventional3.00%0.00%3.1513%
15-Year Fixed Mini-Mortgage--3.25%1
10-Year (or less) Fixed Mini-Mortgage--3.00%1

Take the Next Step

Use our simple online application to get your home buying journey started! Once you submit it, we’ll set things in motion. Then we’ll be in touch soon about your application’s status and progress.

Apply now

Have questions? Need assistance?

Contact our Real Estate team at or 800-373-7600, ext. 204.

You May Also Want to Consider
×Close search