Once you've applied, MSCU will assign a mortgage officer to work directly with you during the entire process. When you have questions, you should call the officer assigned to your account.

Can I lock-in my rate?

Yes. Your rate can be guaranteed for a specific number of days while your application is being processed. In addition, the MSCU offers rate protection against possible rising interest rates while letting you take advantage of declining interest rates. Ask your mortgage officer for details.

Should I refinance my current mortgage?

If you currently have an outstanding mortgage and are considering refinancing, our mortgage officer can help you determine the potential savings. Ask for a free analysis by calling us at (800) 761-2400, ext 2460.

What determines qualification for a mortgage?

To determine the mortgage amount that you qualify for, the MSCU reviews your Income to Debt ratio including the cost of your new mortgage, taxes, and insurance. Other factors are considered depending on the type of mortgage that fits your needs. Our job is to help you get the home of your dreams without a financial burden.

How do I get started?

Simply call the Mutual Security at (800) 761-2400, ext. 2460 and ask to speak with a mortgage officer. Or complete the pre-qualification application and send it via e-mail. A mortgage officer will review the various programs with you and help you complete the application.

How long does it take to get a mortgage?

You will usually be approved within 24 Hours. It generally takes 3 weeks to complete the closing of the loan.