First Mortgages

With a PFCU 1st Mortgage Loan you can purchase a home with a minimal down payment or take advantage of today’s low rates and refinance your current mortgage loan! 

Saving for a down payment on your first home can take years. Now, PFCU is helping members buy a home by offering a program that may only require a minimal amount down.

Do you qualify?

  • You must be a current member of PFCU
  • Home to be purchased must be an eligible property type and a primary residence
  • Member must have a minimum credit score of 620
  • Your Down payment can be a gift from a qualified donor
  • Members may be required to complete a HUD-certified Homebuyer Education course and receive a Certificate of Completion
  • All loans are subject to PFCU and secondary market lending guidelines, additional restrictions may apply




PFCU Loan Officers

Partnership Financial Credit Union – NMLS#409351

Todd Twardowski Morton Grove Office NMLS#624014

Timothy Rapson Evanston Office NMLS#1943683


Our loan officers can prequalify you for a mortgage in as little as fifteen minutes, over the phone! Once you are prequalified, you have a better sense of what you can afford and the prequalified status tells sellers that you are a serious shopper. It can give you the advantage you need in a bidding war against another home buyer.

Documents Needed for a Mortgage Application

  • Copies of your most recent pay-stubs covering a one-month period
  • Copies of your W2 forms for the most recent two-year period
  • If income is derived from retirement accounts, the most recent awards letter verifying the monthly retirement income
  • Copies of your complete (including all schedules) IRS Tax Form 1040 for the most recent two-year period
  • If you are self-employed, Corporate Returns for the most recent two-year period will be required
  • Copies of two months of asset statements (all pages) for any and all accounts, including savings, checking and retirement accounts
  • Copies of a government issued ID and Social Security card
  • If your loan request is for a refinance transaction, a copy of your most recent mortgage statement
  • If your loan request is for a home purchase, a copy of the fully-executed, signed purchase contract
  • Name and phone number of your homeowners insurance agent and/or condo association (if applicable)

The above documentation can be submitted to any PFCU office or you can fax to the following number:

fax# 847.675.6847
Attention: Mortgage Department