Matt Kirkpatrick
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Washington County Real Estate Market and Fayette County

Get to know Matt Kirkpatrick

No application fees or credit report fees Home must be primary residence for the borrower Property must be located in county 

Construction-Permanent Mortgage

The Credit Union offers a construction-permanent mortgage under our 2-Year ARM program or our fixed rate mortgage programs for members building a new home or making a major addition to their existing home. The program provides a 6-month construction phase before the permanent, regular monthly payment phase begins.


One closing conducted Origination fee 1% (collected at closing) The Credit Union will absorb the cost of an appraisal and a flood zone determination report No application fees or credit report fees Property must be located Mortgage Credit Certificates

Mortgage Credit Certificates (MCC) are issued through the Housing Finance Agency for mortgages used to purchase a member's first home. A federal income tax credit for 30% of the mortgage interest payment is provided each year (up to a maximum benefit of $2,000 per year), effectively reducing the tax liability for a home purchase. Income and sales price limits apply. More information is available at

The member may use the MCC with any of our mortgage products. The Credit Union will process the MCC request at the time of the mortgage financing request for a non-refundable fee of $300.

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