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Mortgage Loans

From home buying to refinancing – we have the options for YOU.








Dream Home?

We're totally here for it! Are you weighing the benefits of taking out a mortgage and entering a hot housing market or taking out a home equity line of credit – or HELOC – to turn your current house into your dream home? At Rock Valley Credit Union, we will guide you through the home buying or home renovation process so you’re never alone.

Plus, we partner with some of the top mortgage providers in the industry to bring you a range of flexible options that will work with your home, your budget, and your future.

In less than five minutes, you can apply for a mortgage or HELOC. Are you ready to make your dream home a reality? Get started today! 









Home Equity Line of Credit (HELOC)

Borrow on your current home's value and take funds out as you need it within a certain time frame. 

This might be a right fit for you if...

  • You want to save for your child's college education
  • You're not sure how much you'll need to borrow
  • You need more flexible repayment options
  • Multiple home improvements


Home Equity Loan

Borrow on your current home's value. Then, pay it back in monthly payments. 

This might be a right fit for you if...

  • Want to start your own business
  • Need to pay for unexpected emergency expenses
  • Want to consolidate debt
  • Home Improvements
  • Are looking for a fixed interest rate loan


Cash Out Refinance

Borrow on your current home's value with fixed predictable monthly payments. 

This might be a right fit for you if...

  • You may be able to shorten your loan term and get a lower rate
  • You can use the money however you would like
  • Often has more attractive rates
  • Home improvements



Mortgage Loans



Take the first step by getting pre-qualified.

We can help you be prepared to make an offer when you find that dream home in northern Illinois, southern Wisconsin, or beyond. Contact our Real Estate department today at 815-282-0300 or apply online in less than five minutes.





The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial service needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department




Mortgage Loan Promo