Buying, Renewing, Switching or Refinancing Your Mortgage

As a member of PACE you benefit from PACE-setting rates! Our low mortgage rates are hard to beat and locked in for 120-days. We offer flexible payment schedules tied to your pay days: weekly, bi-weekly, or monthly. One of our Financial Service Representatives will match you up with the right mortgage that meets your needs and goals. Contact or book an appointment today to unlock the doors to your home!  

PACE Mortgages

Featured Mortgage Rates





3 Year - Closed

4 Year - Closed

5 Year - Closed


How much can I borrow?  How much will my mortgage payment be?   

Which mortgage option is right for me? Calculate Now!

A high ratio mortgage allows individuals and families the opportunity to own their own home with as little as 5%.

Let's Discuss Your Mortgage Needs

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Your perfect mortgage solution is just a conversation away. Contact us today.

Contact us today!



Is a High Ratio Mortgage Right For You?


Whether you are purchasing your first home, an investment property or your dream vacation home, our Financial Service Representative can help you determine your maximum affordability and the right mortgage product for you.


Your business is important to us. This is the time to re-evaluate your financial position and goals, explore terms, rates and features. You may also want to consider refinancing and accessing the equity in your home.


A mortgage switch, or transfer involves moving your current mortgage from your current lender to another. The only things that change are your term and interest rate. This is ideal when you want to take advantage of lower rates in the market.


Mortgage refinancing can provide a number of benefits such as a better mortgage rate, lower monthly payments, shorten your term, borrow against the equity in your home, and consolidate your debts.

Credit Protection 

Protect your biggest financial investment. This optional coverage is provided by CUMIS and has been developed exclusively for credit unions. It protects you when the unexpected happens, such as death, disability, critical illness, or involuntary loss of employment.

As Low As

As Low As

As Low As

What is a High Ratio Mortgage:

Benefits of a High Ratio Mortgage:

  • When a borrower puts less than 20% as down payment towards the purchase price of a home, the resulting mortgage must be insured and is considered High Ratio.
  • The maximum amortization is 25 years.
  • Minimum down payment is 5% on purchase prices of $500,000 or less.
  • For purchase prices over $500,000, the minimum down payment is 5% on the first. $500,000 and 10% on the price portion beyond $500,000, up to maximum purchase price of $1,000,000.
  • Purchases over $1,000,000 cannot be considered High Ratio and will require at least 20% down payment.
  • PACE High Ratio mortgage interest rates are for owner occupied properties only and subject to qualifying for mortgage loan default insurance.

Promotion Disclosure: Effective June 1, 2021 to July 31, 2021. Special promotional rate may be changed or withdrawn at any time without notice. Cannot be combined with any other offer or discount. Funds must be advanced within 120 days of application. All Mortgage applications and our low rates are subject to meeting PACE Credit Union’s standard credit criteria which may include your credit score, income and property location. 

For renewals, low risk switches and high ratio purchases.