Real Estate Loans

Golden Plains Credit Union wants to help you achieve the dream of home ownership. When you're in the market to buy a home, we offer a variety of terms with fixed and adjustable rates to help you get the mortgage that best suits your needs.

Local Servicing. We service your loan, so your payments come directly to us. If you ever have any questions, take comfort in knowing that our Mortgage Specialists are here for you and they’re ready to help.

We have Mortgage Loan Officers available at our Garden City, Ulysses and Hays' locations. Please click here to see the hours for each of these offices.

New Purchases

  • Lock-in rate at application or float with the market (your choice).
  • Up to 100% financing available for USDA Rural Development.


  • 95% no cash out, or
  • 80% with cash out.
  • Lock-in rate at application or float with the market (your choice).

Mortgage Payment Protection
This insurance helps make your mortgage payment during financially stressful times. It helps:

  • Keep you & your family in your home.
  • Free up money you would have used for your mortgage payments to pay other bills.
  • Reduce the need to dip into your investments.

Ask one of our Mortgage Loan Officers about Mortgage Payment Protection or visit to see if this coverage is right for you.

Mortgages to Fit

  • Predictable monthly payments with our conventional fixed-rate mortgage loans.
  • Adjustable-rate mortgage loans give you the opportunity for lower interest rates.

First-Time Homebuyer’s Programs:
If you’re a First-Time Homebuyer, we’ll help you understand your financing choices so you can make informed decisions about your first home loan.

First-Time Homebuyer Program Grant*
Income eligible households may apply for the First-time Homebuyer Program Grant.  Eligible borrowers can use the forgivable loan (up to $7,500) to greatly reduce the out of pocket expenses associated with buying a home. If you live in the house for 5 years, the grant is fully forgivable.  This program is limited to available funds administered by the FHLBank of Topeka.

*Certain restrictions apply. Click here for more details about this program.

USDA Guaranteed Rural Housing Program:

  • Up to 100% financing available for USDA Rural Development.
  • No down payment.

Let Golden Plains help you choose the right home loan and manage the loan process. Make your dream of home ownership come true! Golden Plains Credit Union is where you and your Home Loan Belong.  Apply online today!