At Dale Community Federal Credit Union, you know people you can trust.  That's one thing that makes a credit union mortgage special.  We provide the care, knowledge, and experience to find a mortgage loan that's in your best interest and in your budget.  And we've got it all right here...with flexible terms.  And we've got it all right here with competitive rates and flexible terms.  We partner with Quicken Mortgage Loans to offer you a wide range of home mortgage loans to fit your financial situation.  Contact us today to discuss your options!

Mary Henke (NMLS #1490516) - 402-835-0972 -

Rachel Effa    (NMLS #809401) - 402-835-0973 -

Dashia Ellwanger (NMLS #2040739) - 402-371-2242 -

Brandy Watson (NMLS #1577945) - 402-371-2242 -

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Product Types

(For In-House Loans, property must be in Nebraska)

  • Fixed Rate

    • This is the most common type of loan and is available in 10, 15, 20, & 30 year terms.  Typically, borrowers may lock in a lower rate closer to closing.  Rate and buy-downs are available by paying discount points (1 point = 1 percent of the loan amount; points vary daily and by amortization. Down payment requirement depends on loan type).

  • Fixed Period ARMs

    • Available on conventional loans only. These loans are fixed for either the first 3, 5, 7 or 10 years. At the end of this term, the loan then changes to a 1-year ARM. The loan is then adjusted according to the terms of the individual ARM. Most of these loans are based upon the 1-year Treasury Index with margins of 2.75. These loans also typically have a conversion option available in years 1-5. Minimum down payment is 10 percent.

  • FHA

    • A residential mortgage from an approved lender and insured by the Federal Housing Administration. The down payment on an FHA loan usually is less than that for a conventional mortgage. Please contact us for more information on FHA loans.

  • VA

    • A mortgage made by an approved lender and guaranteed by the Department of Veterans Affairs, often with a low or no down payment. Please contact us for more information on VA loans.

  • HomeReady® by Fannie Mae

    • Designed for creditworthy, low-to-moderate income borrowers with a low down payment option for home purchases.

For your piece of mind, DCFCU would like to welcome you to confirm that we are authorized to conduct mortgage business in the state of Nebraska.


Please feel free to visit & enter in any of the following loan officer's or Credit Committee's NMLS numbers to verify their credibility.


NMLS Numbers

  • Mary Henke               1490516

  • Rachel Effa                 809401

  • Dashia Ellwanger      2040739

  • Brandy Watson         1577945

  • Ron Miksch                822269

  • DEFCU                        797238

NCUA Funds Insured logo

Federally Insured by NCUA

Equal Housing Opportunity logo

Main Office

2759 33 Ave.

Columbus, NE  68601


Branch Office

704 W. Benjamin Ave.

Norfolk, NE  68701


Main Tel:  402-564-DALE (3253)

Main Fax: 402-562-5936



Branch Tel:  402-371-2242

Branch Fax: 402-371-2622




Monday - Friday

8:00 am to 5:00 pm


Monday - Friday

8:00 am to 4:30 pm

To Report Lost/Stolen Cash/Check Cards After Hours, Please Call: 1-800-383-8000

To Dispute Debit Card Charges, Please Call: 1-833-288-1126