Welcome home

Whether you are buying your first home, buying a second vacation home, or refinancing, our Mortgage Officers can help you to make sure you are well-informed and that the process goes smoothly. We offer a variety of home loan products*, ranging from 30-year conventional to 3-year adjustable (and everything in between). A 3% down payment is required for single family, owner occupied homes. To learn more about our mortgage process, contact our mortgage team. You can call us at 866-859-6545 or email us at mmfcu@membersmortgage.com Ready to get started on your Home Loan? Check our our rates and apply online today.

Home Buyer Next Steps

Your first step is to get pre-approved. Our online loan application allows you to apply for your mortgage pre-approval when your schedule allows. Just answer a few simple questions and you could have a loan decision within 15 minutes. Once you’re pre-approved, you’ll be able to shop for your new home and know which houses are within your price range. It’s silly to waste time looking at houses that aren’t within your price range, so getting pre-approved eliminates this wasted time. Plus, you’ll be able to negotiate better with realtors and owners if they know you are pre-approved. When you find your dream home, an offer’s accepted, and your mortgage application is approved, you then have the option to lock in your rate for up to 30 days. *Down payment requirements vary by loan program and borrower qualifications. Certain mortgage programs may be available with a down payment as low as 3%. Please call 866-859-6545 for current program requirements. Payment examples are estimates only and do not include property taxes, insurance premiums, mortgage insurance, or other applicable costs. Actual monthly payments may be higher. MMFCU does not offer VA, FHA, or MassHousing loans. The Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many financial institutions are available online through the Consumer Financial Protection Bureau.