Mortgage Home Loans

Your home loan is the most important purchase decision of your life.

At Kalsee, we genuinely care about you — our members, friends, and neighbors — and we hope you’ll consider us when choosing a mortgage. We aim to make the home-buying process as seamless, stress-free, and affordable as possible.

Working with us, you'll appreciate:

• Competitive current rates
• Flexible terms
• A variety of financing options
• A turnkey application process
• Helpful guidance from start to finish

You’ll work with friendly, knowledgeable mortgage professionals who have your best interests at heart.

Trust our expert team to craft the right mortgage, whether you’re looking to purchase a home or save with a refinance. With affordable rates, low closing costs, and a simple online application, your mortgage experience will be easy and convenient.

The best place to start is our online mortgage center. There you can compare rates, explore calculators, and submit your application. Once you’ve submitted your application, a Mortgage Loan Officer will be in touch to set your first appointment.

Online Mortgage Center: Apply,  Rates, Calculators          Request an Appointment

Selecting a Lender

Our knowledgeable team is ready to make you feel right at home.

With the considerable amount of money at stake when purchasing a home, selecting a reputable lender you can trust is essential. That’s why we’ve made the process understandable in terms you can relate to — and why we never rush you through the process. Any question you have is important to us. When selecting your mortgage provider, consider these key variables:

Research rates.

What may seem like a minor difference in rates can amount to thousands of dollars in interest over the life of your loan. Most lenders will have similar mortgage rates, but it’s still a good idea to double-check rates and compare. At KALSEE, we ensure rates are competitive, so you rest easy.

Think beyond dollars.

Yes, interest rates are important. But choosing a mortgage lender that displays honesty, integrity, and a commitment to meeting deadlines is imperative. Communicating with you throughout the process is another non-negotiable. That’s why so many members choose KALSEE. We are driven to be trustworthy and fair, and listening to your questions, concerns, and needs is always a priority.

Local makes a difference.

Online lenders are plentiful, but a local lender has the added benefit of knowing your area’s neighborhoods, properties, and real estate professionals. We know you — and we know this community. We shop at the same stores, and our kids go to school with your kids. These are the intangibles that can make a big difference.

Your Loan Officer

At KALSEE, you’ll work with one loan officer from beginning to end.

You’ll benefit from a higher level of service and someone you can count on and potentially work with in the future. Compare this to a mortgage broker, typically incented by their commission without having any long-term investment with you.

How a loan officer and mortgage broker differ:

A loan officer is an individual who works directly for a bank or credit union and offers loans from the financial institution that employs them.

A mortgage broker is not associated with a particular bank or credit union. Instead, they research loans from several sources and enter into mortgage contracts with various lenders.

Mortgage tip: A credit union loan officer typically knows you and your family and has your best interests at heart.

Key Documentation

Before your first meeting with your Mortgage Loan Officer, we’ll ask that you collect the documentation needed to make the most of your appointment and move your application along quickly. Click on the links below to gather your checklist. If you have any questions, don’t hesitate to ask!

 Documentation for Purchase Checklist       documentation for refinance checklist