Mortgage Loans

Calling all dreamers! Make your house the home of your dreams. Pay for college tuition and expenses. Consolidate your debt. No matter the dream, Cencap can help.

FIXED SECOND MORTGAGE/HOME EQUITY

Up to 180 month terms
80% loan to value
Maximum loan amount: $400,000
Fixed Rate
NO closing costs
NO title search fees
NO recording fees
NO appraisal fees

The credit union pays all related fees, there is no cost to you.

HOME EQUITY LINE OF CREDIT (HELOC)

Interest only payments
15 year draw period
15 year payback
NO closing costs
NO title search fees
NO appraisal fees

Learn more (PDF)

Contact 860.722.8110 to apply

FIRST MORTGAGE

Conventional mortgage programs
Adjustable rate mortgages for 3, 5 and 7 years
Fixed mortgage terms for 10, 15, 20, and 30 years

View Mortgage Rates

Apply for a Loan

Still have questions? Contact us to find out more about our loan offers!

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About Cencap

Cencap Federal Credit Union is the new and improved Hartford Municipal Employees Federal Credit Union. Our ideals are the same as when we started in 1950, but our vision for the future and services we offer demanded we keep up with the times. We no longer just service Hartford area Municipal Employees, but rather we offer our services to anyone who lives, works, learns or prays in certain underserved areas in or around the city of Hartford. This is an exciting time for us and we look forward to servicing our current members while reaching out to a new group of members.

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Locations & Hours

443 Franklin Avenue, Hartford

Lobby Open:*
M, T, W, F: 8:00 AM – 4:00 PM
TH: 8:00 AM – 5:30 PM
SA: 8:00 AM – 12:00 PM

2775 Main Street, Hartford

Lobby Open:*
M, T, W, F: 8:00 AM – 4:00 PM
TH: 8:00 AM – 5:30 PM
SA: 8:00 AM –12:00 PM

253 High Street, Hartford

Lobby Open*
M, T, W, F: 8:00 AM – 4:00 PM
TH: 8:00 AM – 5:30 PM
SA: CLOSED

*Appointments are optional for account openings, loan closings, wires transfers, and disputes. We are currently allowing walk-ins but masks are required upon entry, and temperature checks will take place at the door. We encourage you to continue to use our drive-up teller windows for transactions when possible.