Home Loans
There's no place like home.

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For a rate estimate specific to you, call 833-759-1941 to get started.

If you are buying a new home or re-financing, we can help!

From the beginning of your home search, to the moment the keys are placed in your hands, Skyward Credit Union is with you every step of the way. We understand the home buying process can be overwhelming, but our home loan specialists will guide you with all the information you need.

We can meet your needs with the right rate, with Conventional, Veterans Administration (VA), Federal Housing Administration (FHA), and USDA Rural Development loans.*

Our home loan specialists are eager to serve you! And, pre-approvals are free. Apply now with a loan specialist, or do it simply online.

For more details, please call one of our mortgage specialists at 833-759-1941.

See what we have to offer:


  • Conventional Home Loans

    We can help you find the home of your dreams with an affordable Conventional Home Loan.

    We will work to give you options for your specific home-buying situation. Whether you're buying your first home, investing in a rental property or anything in between, we have the right solution for you.

    Conventional mortgage loan details:

    • Up to 97% loan-to-value financing (on approved credit)
    • 3% down new homeowners, 5% if you already own or have owned a home previously
    • Fixed-rate terms
    • Available for second homes and investment properties
    • Gift funds may be contributed
    • Private mortgage insurance (PMI) required for loans above 80% loan-to-value (LTV)

    View Rates Apply Online

  • FHLB Homeownership (First-Time Homebuyers)

    FHLB Homeownership Set-Aside Program Grants for First-Time Homebuyers

    Homeownership Set-Aside Program Grants are exhausted for 2023.

    View Rates Apply Online

  • FHA Loans (Federal Housing Administration)

    FHA loans are government-backed, mortgages insured by the Federal Housing Administration, an agency of the US Department of Housing and Urban Development. This program designed for low- to moderate-income individuals buying a single-family home. Borrowers must carry mortgage insurance. The perfect loan for first-time home buyers.

    FHA details:

    • Loan used for: Purchase, refinance
    • Property type: Owner-occupied
    • Minimum down payment: 3.5% of purchase price. Gift funds permitted.
    • Mortgage insurance: required
    • Seller contribution: up to 6% of the purchase price

    View Rates Apply Online

  • VA Loan (Veteran Affairs)

    VA guaranteed loans are designed for members of the Military, Veterans Reservists and National Guard members with little or no money for a down payment. To qualify, you must have:

    • Served 90 consecutive days of active service during wartime,
    • Served 181 days of active service during peacetime, or
    • Served more than 6 years of service in the National Guard or Reserves.
    • A spouse of a service member who has died in the line of duty or because of a service-related disability
    • Certificate of Eligibility is required on all VA loans (except for Interest Rate Reduction Refinance Loan—IRRRL—Programs)

    VA details:

    • Loan used for: Purchase, refinance
    • Property type: Owner-occupied
    • Minimum down payment: 0%
    • Mortgage insurance: $0
    • Seller contributions: up to 6% of purchase price
    • Required to pay a funding fee to participate in loan program (disabled veterans may be exempt from funding fee)

    View Rates Apply Online

  • Rural Development - USDA

    Rural Development loans are a low interest rate, no down payment option if you are buying in an area that is part of a Rural Development program. Monthly mortgage payment (including principal, interest, insurance and taxes) cannot exceed 29% of your income.

    Rural Development details:

    • Loan used for: Purchase, refinance
    • Property type: Owner-occupied
    • No down payments
    • Seller contributions: up to 6% of purchase price

    View Rates Apply Online

  • Refinancing a Home

    Why refinance? It may make sense if you can lower your interest rate or if the value of your home has increased. Refinancing can be a helpful tool for home improvement, debt consolidation or simply lowering your monthly payment.

    Reasons to refinance:

    • Switch from an a higher interest rate loan to a lower fixed rate mortgage
    • Change from an adjustable rate loan to a fixed rate to lower your monthly payment
    • Reduce your interest rate and your monthly payment
    • Build equity faster by shortening the term of your loan to 15 or 20 years

    Refinancing is simple. Ready to get started? Contact our loan experts today at 833.759.1941 or 316.440.9690. Or come into any Skyward branch.

    Apply Online

Travelers Home Insurance

As a Skyward Credit Union member, get the coverage you need with exclusive savings not available to the general public. For a free, no obligation quote, go online or call 1-800-842-5936 and mention you are a Skyward Credit Union member to get your special savings.

S.A.F.E. Act of 2008

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act) mandates a federal registry for credit unions and their employees who are “Mortgage Loan Originators” (MLOs). You can view a list of our MLO’s by clicking here.

* Skyward Credit Union offers home loans and home loan refinancing for properties in Kansas, Oklahoma, and Missouri.

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.
HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/hmda).
Do you have a question or complaint about your Home Loan? Please tell us about it. Use our Contact Us message form.