Real Estate Lending



At Quest Federal Credit Union, we understand the importance of owning your own home and establishing your roots in Hardin, Logan, and Wyandot Counties.

The fixed-rate mortgages at Quest Federal Credit Union guarantee your rate and monthly payment for both principal and interest. With the rate fixed, the payment will not change over the term of your mortgage. An adjustable-rate mortgage (ARM) from Quest Federal Credit Union allows for your interest rate to stay fixed at a lower level for a period of time before adjusting based on a specific index. The terms of the ARM allow the rate to be fixed for either 36- (3/1 ARM) or 60- months (5/1 ARM).


Fixed Rate Mortgages
  • Maximum term 20 years
  • Maximum loan-to-value is 80% of appraised value
Adjustable Rate Mortgages
  • 3/1 ARM: Fixed for a period of 36 months, becoming adjustable thereafter
  • 5/1 ARM: Fixed for a period of 60 months, becoming adjustable thereafter
  • Both the 3/1 & 5/1 ARM offer 15-, 20-, or 30-year terms
  • Maximum loan-to-value is 80% of appraised value
Investment Property Mortgages
  • Maximum term 15 years
  • Maximum loan-to-value is 70% of appraised value
In-House FHLB Mortgages
  • Federal Home Loan Bank (FHLB) Mortgages are fixed for 10-, 15-, 20-, and 30-year terms
  • Maximum loan-to-value is 80% of appraised value

Why Choose Quest For Your Mortgage?

Features & Benefits

  • We offer competitive rates
  • We offer a variety of products; including fixed, adjustable, and investment property mortgages
  • We have no hidden fees or pre-payment penalties
  • We have local, friendly and personal service with timely decisions and pre-approval options
home equity


Sweat equity. Elbow grease. Staying the course.

Whatever you call it, owning your own home and being able to enjoy the reward of having equity in your investment is a great feeling. Whether you’re looking to improve your existing home, pay for college expenses, emergencies, debt consolidation, or other unforeseen needs; let Quest Federal Credit Union make it possible with a Home Equity Line of Credit (HELOC).

Quest Federal Credit Union will loan funds on the equity of your home for whatever purpose you choose. We will loan up to 80% of the appraised value of your home.

This may be a 1st or 2nd Mortgage. This is a revolving line of credit and you may draw against it for up to 10 years from the date opened.

It can be accessed via the internet or you may choose to receive funds in check form. The maximum loan term is 25 years. HELOC loans have a $10,000.00 minimum.



Whether you’re looking to get locked in at a great rate and term, or refinance a previous mortgage to help ease your financial needs, Quest Federal Credit Union will work to help you get the mortgage that is right for you.

We offer competitive rates, low closing costs, local service, and friendly loan officers to help make easy work of the refinancing process. So whether you’re working to free up some room in the budget or ease financial hardships, let us help you make the process of refinancing your current mortgage a non-issue.

Refinancing options exist at Fixed and Adjustable rates. For more information, click on the MORTGAGES tab.

Contact the loan staff at Quest Federal Credit Union, by calling 800-333-9571 today!