Home Loans

Whether you're upgrading, downsizing, or just looking for something new, we've got the affordable home financing you need to make it happen. We can do everything that the "big banks" can do, including fixed rate mortgages with first and second home loan options, but with more flexibility. Call 855.835.6328 ext. 1750 for current rates or more information.

First Mortgages
Effective Date: Thursday, February 25th, 2021
Please contact us or stop into a branch to verify the current rate.
TermsAPR as low as**Payment per $1,000.00
30 Year 2.921% $4.15
20 Year 2.689% $5.36
15 Year 2.333% $6.55
10 Year 2.372% $9.31
Rural Development Available upon request  
Payments do not include taxes and insurance. Actual payments may be higher.
**APR = Annual Percentage Rate. Rates featured are listed “as low as” and could be different based on creditworthiness, qualifications and collateral conditions. All rates are subject to change.

Purchases and Refinances

We offer pre-approvals, low closing costs and down payments. Please reach out if you have any questions or click below to apply online or schedule your in-branch appointment!

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First Time Home Buyers

Because buying your first home isn’t exciting enough, we offer first time home buyers $300 off their closing costs! We also offer educational resources to help you better understand the home buying process. A smart buyer is a confident buyer. We are ready to assist you with your financial needs and provide you with the resources to make educated decisions during the house hunt and buying process. Sit down one-on-one with a member of our mortgage team and get personalized solutions to help put you in the best place to make an offer. Plus, first-time home buyers can finance up to 97% of the purchase price!

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Lock & Shop

With our new Lock & Shop feature, you can lock in your interest rate when getting pre-approved for a Mortgage. The MFCU Lock & Shop total rate protection1 lets you lock in and secure your interest rate while you’re shopping for the right home. We know shopping for a home can be stressful, and we want to give you peace of mind knowing your rate won't go up. Please reach out if you have any questions or click below to apply!

  • Lock: Lock in a great interest rate for up to 90 days while looking for your perfect home
  • Shop: Don't worry about rates going up while you're house hunting - your locked rate is protected

1Lock and Shop limited to mortgage loans to be serviced by Members First Credit Union. Some mortgage loan products may be excluded. Standard credit qualifications apply. All loans are subject to final credit approval. Promotion subject to end at any time.

Home Equity Line of Credit (HELOC)

Use the equity in your home to pay-off high interest debt, make needed renovations, or pay for an upcoming event. We have low variable rates. Please reach out if you have any questions or click below to apply!

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Mortgage Team

Our team is here to help with their expertise and guidance. Click below to meet the team and learn a little bit more about who you will be working with!

Meet the Team

NMLS #440786

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