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Buy or build a home
Homemade mortgages to fit your goals

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 some lenders, we’ll never outsource the servicing for your loan. From application to closing, payments, and beyond, you’ll always be right at home with Dupaco.

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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 eligibility limits
  • Completing an online homeownership course

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

Have questions? Need assistance?

Contact our Mortgage Lending Department at mortgage@dupaco.com, or give us a call at 800-373-7600, ext. 204.

Rates
Finance your home with a rate that works best for you
Thank Use Participation Dividends Eligible
TermRatePointsAPR
Purchase: 97% ltv 30-Year Fixed Conventional *6.000%10.00%6.587%
Purchase: 30-Year Fixed Conventional ^6.000%0.00%6.135%
Purchase: 15-Year Fixed Conventional ^5.500%0.00%5.681%
Purchase: 10/1 ARM (30-Year Amortization) 5.625%20.00%6.675%
Purchase: 7/1 ARM (30-Year Amortization) 5.500%0.00%6.887%
Purchase: 5/1 ARM (30-Year Amortization) 5.375%0.00%7.048%
Purchase: 10/1 Jumbo* ARM (30-Year Amortization)5.875%30.00%6.725%
Purchase: 7/1 Jumbo* ARM (30-Year Amortization)5.750%0.00%6.902%
Purchase: 5/1 Jumbo* ARM (30-Year Amortization)5.625%0.00%7.037%
Rates are effective as of 12/09/2022. Rates may be as low as quoted rates - other terms and conditions may apply. For other loan amounts, terms, and rates please contact the Dupaco Mortgage Team. All loans are subject to approval. Rates, terms, and conditions are subject to change.

* Rate quote is valid for First Time Homebuyer only.
^Rates assume owner occupied - primary and secondary residence only. Rates are based on minimum credit score of 620 and 95% loan to value (ltv).

1Conventional Purchase payment example for illustrative purposes only: If you borrow $100,000 at 6.388% annual percentage rate (APR) with a 30-year term, your minimum monthly payment obligation would be $616.49 Over the life of the loan, you will pay $121,810.26 in interest. Note: Actual payment obligation will be greater. Payment example does not include amounts for taxes and insurance premiums.

210/1 ARM payment example for illustrative purposes only: On a $150,000, 10/1 ARM amortized over 30 years with an initial interest rate of 5.750% with an APR of 6.398%, after fixed-period of 10 years, the rate may increase annually; individual adjustments are capped at 2% every 12 months, and can never increase by more than the lifetime cap of 6%. A payment example would be as follows based on a fully capped interest rate over the life of the loan. Please note insurance and taxes are not included in the payment example: Years 1-10 at 5.750% interest rate with a payment of $875.36. Year 11 at 7.750% interest rate with a payment of $1024. Year 12 at 9.750% interest rate with a payment of $1177. Year 13-20 at 11.750% interest rate with payment of $1334. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR and payment may increase after the loan consummation. Insurance and taxes are not included in the payment example.

310/1 Jumbo ARM payment example for illustrative purposes only: On a $650,000, 10/1 ARM amortized over 30 years with an initial interest rate of 6.000% with an APR of 6.506%, after fixed-period of 10 years, the rate may increase annually; individual adjustments are capped at 2% every 12 months, and can never increase by more than the lifetime cap of 6%. A payment example would be as follows based on a fully capped interest rate over the life of the loan. Please note insurance and taxes are not included in the payment example: Years 1-10 at 6.000% interest rate with a payment of $3,897.08. Year 11 at 8.000% interest rate with a payment of $4,550. Year 12 at 10.000% interest rate with a payment of $5,225. Year 13-20 at 12.000% interest rate with payment of $5,915.

*A loan is considered jumbo if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae and Freddie Mac which is currently $647,200 for a single-family home in most states. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR and payment may increase after the loan consummation. Insurance and taxes are not included in the payment example.
Your Dupaco home loan comes with perks
Track your application

Track your application

Track your application progress by visiting your Mortgage Tracker in Shine Online & Mobile Banking.

Enjoy local servicing

Enjoy local servicing

From application to closing, payments and beyond, you’ll always be right at home with Dupaco.

Homebuyer readiness coaching

Homebuyer readiness coaching

We’ll help you assess your readiness for homeownership with a Mortgage Makeover.

Biweekly payment options

Biweekly payment options

Pay off your home loan faster, and reduce the amount of interest you pay, by making biweekly payments.

Resources to help you along your journey to homeownership
8 Things You Should Know About Buying A House

8 things you should know about buying a house

Put yourself on a successful path to homeownership by following these steps.

Read more > about 8 things you should know about buying a house

How Couple Buys First House With Help Of Partnership

How couple buys first house with help of partnership

See how these members bought their first house sooner than they thought possible.

Read more > about how couple buys first house with help of partnership

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