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Home Loans

CHROME Federal Credit Union in partnership with OwnersChoice, a credit union industry owned corporation, is pleased to announce our mortgage financing program. Whether you are purchasing a home or refinancing your mortgage, you can look to us for trusted advice and exceptional service.

Our mortgage program features:

  • A secure online application process
  • Expanded loan programs
  • Low interest rates and closing costs
  • Expert support and assistance throughout the entire process.
CHROME Federal Credit Union mortgage loans are serviced through OwnersChoice, a full-service mortgage corporation serving credit unions in the greater Northeast.

CHROME home loans are easy to understand and quick to close. Choose the one that makes you feel most at home. Why choose us? You’ll enjoy local, personal service and a fast application process. Find out how owning a home might be easier than you think. Apply online or check out the Home Loan Calculator tool.
Loan types include:
  • Conventional
  • Adjustable-Rate Mortgage (ARM)
  • FHA
  • VA
  • USDA
  • Investment Property
Which Type of Loan is Best for Me?
Learn more about the different financing options available by scheduling an appointment.
Use a revolving line of credit to borrow as much or as little as you need – when you need it – by accessing the available equity you have in your home. As you repay your outstanding balance, you can borrow against it again if needed.
Apply online or schedule an appointment at our branch. Benefits include:
  • We lend up to 95% of your home’s value
  • No initial draw required
  • Draw on your line for up to 10 years
  • No limit how often you can access your line
  • Revolving line of credit
  • Competitive variable interest rate as low as 3.25% APR

A great choice for financing a new kitchen, a dream vacation, or anything else you have in mind.
Apply online or schedule an appointment at our branch. Benefits include:
  • We lend up to 80% of your home’s value
  • Fixed monthly payments, so you can schedule consistent monthly payments
  • Rates as low as 3.24% APR
  • Terms up to 20 years
CHROME’s Payment Protection is a voluntary loan payment option that can cancel or reduce repayment of your loan debt in case of an unexpected life event.
Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau's Web site ( HMDA data for many other financial institutions are also available at this Web site.