Home Loans
Tracy Holstege
AVP of Mortgage Lending
At Maps Credit Union, we are proud to serve our community by providing residential mortgage loans tailored to meet the unique goals of our members and non-member customers. Whether you’re purchasing your first home, refinancing, or exploring investment opportunities, our team is here to guide you every step of the way.
With in-house operations and local decision-making, we offer the advantage of personalized service and timely responses. Our local loan servicing ensures that you’ll always have a trusted partner close to home.
We offer a wide range of lending options, including access to products through other lending channels, allowing us to find the best loan solution for your needs. Our goal is to provide flexible, competitive, and convenient financing options that support your financial journey.
Thank you for placing your trust in our team. We look forward to helping you achieve your homeownership dreams.
Purchase
Your dream home is waiting for you—and our team of local professionals can help you get there.
Refinance
Whether you want to cash out your equity, lower your payments or pay off your loan sooner, we have a refinancing option for you.
Home Equity
Whatever the project, a HELOC (or Home Equity Line of Credit) can help you utilize the value you’ve built in your home.
100% Home. No money down.
Our 100% home loan financing program is designed to help you realize your dream of homeownership. It’s a great option for first-time homebuyers or buyers who currently do not have a mortgage. With our 100% home loan financing, you’ll be home sooner than you thought possible with zero down.
Meet the Team
Managers
Mortgage Loan Officers
Rates
Mortgage Rates
| Loan Program | Rate | Annual Percentage Rate (APR) | Points | Payment |
|---|---|---|---|---|
| 15 Year Fixed (Conforming) | 5.500% | 5.694% | 0.250% | $2,859.79 |
| 30 Year Fixed (Conforming) | 6.000% | 6.108% | 0.125% | $2,098.43 |
| 30 Year FHA | 5.625% | 6.473% | 0.375% | $2,014.80 |
| 30 Year VA | 5.750% | 6.074% | 0.375% | $2,042.50 |
| Zero Down 20 Year Fixed | 5.875% | 6.026% | 0.250% | $2,482.33 |
| Educator 100% 30 Year Fixed | 7.625% | 7.739% | 0.125% | $2,477.28 |
Rates are good as of October 29, 2025 and are subject to change without notice. The rates listed above are for the purchase of a primary residence with a loan amount of $350,000 and assume a 740+ credit score and a 45-day lock period. See Rate Disclosure for more details on terms. Please reach out to a Mortgage Loan Officer for a specific rate quote. Refinance Rates can be higher than what is listed here.
