Fixed-Rate Mortgage

"Finding the perfect house? That took forever. Finding the right home loan? That choice was easier, we turned to Clearview."  
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Clearview helps open the door to your next chapter.

There's a home here for every personality, from the high-energy heart of the city to family-friendly suburbs and quieter small towns. When you finance your special place with a Clearview fixed-rate mortgage, you can lock in an interest rate that helps you budget with certainty. Our friendly lending experts can help you choose the mortgage that fits your financial needs and provide guidance throughout the process. They'll also get you pre-approved for a home loan before you start house-hunting so you can focus on homes in your financial range.

  • Good choice if you're planning to live in your home for 5 years or more or don't like financial surprises
  • Competitive interest rates and low closing costs
  • Choose mortgage terms of 15, 20, or 30 years 
  • Monthly payments for principal and interest won't change over the life of the loan
  • Available for home purchases or to refinance existing loans from other financial institutions
  • Potential tax deductions for mortgage interest payments

Need to make a payment or have a question about your mortgage?

  • For mortgages opened before November 2023, contact Midwest Loan Services at 1-800-262-6574 or visit their website.
  • For mortgages opened after November 2023, contact our Care Center at 1-800-926-0003 with questions. Payments can be made through digital banking.
What's included?
  • Multiple loan terms
  • Competitive interest rates
  • Friendly guidance every step of the way
7.026% APR*
30 year fixed-rate mortgage
*Rates as low as
View ratesView mortgage rates

Keep this in mind when considering a fixed-rate mortgage

How does a fixed-rate mortgage work?

A mortgage is a loan specifically for the use of purchasing or refinancing property, such as a house, condo, or other type of real estate. When you take out a mortgage, you agree to pay back Clearview, the lender, the amount you borrowed, plus interest. Interest is the “fee” charged for lending and can be determined by your credit score, loan terms, down payment, etc. With a fixed rate, the interest stays the same for the life of the loan, so you can expect to pay the same amount each month.

How much can I get approved for?

While your credit score is a key factor in how much you can afford to borrow, your debt-to-income (DTI) ratio and loan-to-value (LTV) ratio also play a role. Lenders determine if you’re able repay the debt you’re taking on by looking at your DTI ratio. DTI ratio is calculated by dividing your monthly debt payments by your gross monthly income. Typically, the lower your debt-to-income ratio, the more likely you’ll qualify for a fixed-rate mortgage. The LTV ratio compares the appraised property value to the mortgage loan amount. Your down payment can help lower this amount.

How much home can I afford?

This goes beyond figuring out whether you can afford your monthly mortgage payments. Keep in mind regular expenses like property taxes, homeowners insurance, utilities, plus regular maintenance, upgrades, furniture, etc. Try our mortgage payment calculator to get an idea of what your monthly payment may look like.

What are the advantages of credit union mortgages?

Clearview Federal Credit Union is not-for-profit and without shareholders, unlike large banks. That means any profits we earn are given back to members in the form of lower interest rates and greater flexibility in payment terms for credit union mortgages. We want to help you achieve your financial goals and improve your financial well-being along the way. 


Questions about a fixed-rate mortgage?

Clearview offers competitive rates and flexible repayment terms. View our current mortgage rates and terms.

You can apply by using our online application, starting a video call with Clearview Live®, visiting your local financial center, or calling us directly at 1-800-926-0003.

We do not have a minimum credit score to apply for a loan.

Our goal is to provide members with a loan decision within 24 hours after the application is received. Many times an answer can be given on the spot.

We don’t have any fees to complete a loan application. There’s a small fee for a refinance of a vehicle, motorcycle, boat, RV, or powersport vehicles.

No, Clearview does not finance consumer construction loans.

Clearview does not finance manufactured homes on leased land, manufactured homes not on a permanent foundation, single wide manufactured homes, land loans, or excessive acreage with working farms.

Yes, Real Estate Lending will assist with 1-2 family properties and Business Lending will assist with greater than 1-2 family properties.

For additional questions, contact our Care Center by calling 1-800-926-0003 or fill out a form below and someone will reach out.

Following the appropriate waiting period, a mortgage will be recorded against the property naming Clearview as the lender. This process can take some time depending on the county, but the process usually happens within 90 days.

Questions about an existing mortgage?

For mortgages opened before November 2023, you can conveniently access your mortgage information online. Get started by clicking on the “Register” tab on the Midwest Mortgage website. You'll need your loan number and Social Security Number to access any information. Once you're registered, you can transfer funds from digital banking to your make your mortgage payment.

For mortgages opened after November 2023, you can manage your mortgage anytime with our CARE Mortgage Services portal in Clearview's digital banking under the Manage Account menu.

Clearview will never send you letters that don't include our logo and are for a specific business purpose, such as a statement. Because the mortgage filing is a public record, third party sources may pay for certain data and solicit you for services they provide. If you have any questions about the legitimacy of the document, feel free to reach out to us at 1-800-926-0003. Normally, though, these letters are an attempt to have you respond to some offer of service that the company sells. If they don't specifically say they're from Clearview, they likely aren't. One key way of knowing that they are not from Clearview is that these letters commonly refer to Clearview as the lender rather than containing our logo. 

You can make a one-time lump-sum payment toward the principal balance of your loan in order to re-amortize your mortgage with the new (lower) balance. There is a $250.00 fee. Please have your loan 

For mortgages opened before November 2023, contact Midwest Loan Services by calling 1-800-262-6574.

For mortgages opened after November 2023, contact our Care Center by calling 1-800-926-0003.

Please have your loan number ready, you will be advised of the minimum principal reduction amount.

Yes.

For mortgages opened before November 2023, contact Midwest Loan Services by calling 1-800-262-6574.

For mortgages opened after November 2023, contact our Care Center by calling 1-800-926-0003.

There is no penalty for early payoff.

For mortgages opened before November 2023, you can obtain a payoff quote by emailing [email protected]. Be sure to include loan number, name, address, and a good through date for the payoff.

For mortgages opened after November 2023, you can obtain a payoff quote by emailing [email protected], calling our Care Center at  1-800-926-0003, or requesting one in the CARE Mortgage Services portal in digital banking.

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