The garage door opens and you pull your car in. You picked up dinner on the way and the aroma is making your mouth water. You walk in to an open space bursting with possibilities but no furniture yet. It’s scheduled to arrive tomorrow. You were too excited to wait so the two of you will enjoy a romantic candle-lit dinner on the floor of your new home with an incredible view out of the dining room window of the granite-filled Cottonwood Canyons in the distance. You’ve got a new member of the family due to arrive in a few months and you needed a bit more space. You saved smarter for a down payment with the Home Buyer Certificate from Granite Credit Union and your appraisal fee was waved on your Granite Credit Union mortgage. So many reasons to raise your paper cup in a toast. Granite Credit Union is always there so you can make life happen.

GRANITE TRADITIONAL MORTGAGE

• Terms up to 30 years
• FHA, Conventional or ARM
• In-house financing available
• Local Approval

At Granite, we’re always there to help you get a home loan at an amazingly low rate. With the money you save you could build a new deck or… a karaoke den. Why confine your talent to the shower?

GRANITE SHORT TERM MORTGAGE

• Simple low rate options available
• Low- or no-cost mortgage refinancing
• Accelerate mortgage pay-down
• Quick turn around times

Ever since you were a young child you’ve dreamed of having a classic car to cruise on Sunday afternoons. You still can’t believe the red convertible is in the driveway. You open the heavy door, climb into the car, turn the key. The purr of the engine gives you goosebumps. With each turn up Provo Canyon you reflect on the years of memories being made since purchasing your home with a mortgage from Granite Credit Union. Now with the equity in your home and a 2nd Mortgage you can now make memories in your convertible.

GRANITE HOME SECOND MORTGAGE

• Can be used for any worthwhile purpose
• Flexible terms available (5-15 years)
• Reasonable closing costs
• Local Approval

Vacation can happen in your own backyard.

You work hard. You play hard. You live hard. You come home and prop your feet up to watch the sunset from your deck. The brilliant hues of oranges, reds, yellows and purples dance across the clouds as the orange disk drops behind the mountains. The cool breeze relaxes you as you let the day wind down. The comfort of the cushions and pillows envelops you. This oasis in your backyard was easy to create with a convenient Home Equity Line of Credit from Granite Credit Union. Grab a drink and your favorite book; it’s time to unwind. Granite Credit Union is always there so you can make life happen.

GRANITE HOME EQUITY LINE OF CREDIT (HELOC)

• Adjustable Rate
• Line of Credit
• Access with a VISA Card
• In-house financing
• Local Approval

Buying a home is the American dream. Building it to fit your needs is your heritage. You want a space for your family to grow and create memories and traditions together. A construction loan from Granite Credit Union can help you build a home to create those memories.

GRANITE CONSTRUCTION LOANS

• .80% origination
• quick draws – 48 hrs
• flexible funding
• lot loan options
• easily convert to low-fee mortgage

You worked hard and raised your family. You built equity and wealth in your home. Now’s the time to start traveling and enjoying your retirement. Consider unlocking the “wealth” or equity in your home to live a little better during your “golden” years. Call today and review your options with our Reverse Mortgage Professional.

GRANITE REVERSE MORTGAGE

• Get a monthly check
• You can live in your home the rest of your life
• Government regulated