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Home Loan Solutions From a Trusted Lender

MSCU offers a full line of home loan solutions and a dedicated team to help you find your mortgage match.

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LOW

LOW

Rates on Mortgages, Home Equity Loans & Lines of Credit

NO

NO

Private Mortgage Insurance (PMI) on Financing up to 90%

NO

NO

Annual Fees, Application Fees or Pre-Payment Penalties

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Mortgage Solutions with MSCU

Our dedicated and experienced mortgage team is here to help you navigate the home loan financing process. We will find the mortgage solution that’s right for you. 
  • 90% Financing Program without PMI
  • Federal Housing Agency (FHA) Loans
  • Veterans Administration (VA) Loans
  • Single Family and Multi-Family Homes
  • Condominiums and Vacation Homes
  • Zero Point Options
  • Fixed and Adjustable Rates
  • Low Down Payment Options
  • Rate Lock Up to 60 Days
  • Refinancing and more…

Learn more about our Mortgages

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Tap Into Your Home Equity

Home Equity Loans and Home Equity Lines of Credit are Available

For a Home Equity Loan you can get approved and receive the full amount at loan closing. You'll have a fixed rate and can borrow up to $400,000 for 5, 10, 15, or 20 years.

For a Home Equity Line of Credit you can get approved for a total amount, use the funds as needed, and only pay interest on the amount outstanding at any given time.  You'll have a variable rate and can borrow up to $400,000 for 15 years.

Learn more about our Home Equity Loans and Lines

 

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Own Your Home Sooner with Our Mortgage Accelerator

With a mortgage accelerator loan, you can pay off your mortgage in as little as eight years.   

Includes:

  • Fixed rate
  • Borrow up to $400,000 for 8 or 12 years
  • No annual fee

Learn more about our Mortgage Accelerators

Home Buying Ebook - Download Now!

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Should I Have a 20-Percent Down Payment for a Home?

At one point or another most of us have been told we need to have a 20-percent down payment when buying a home. But with high amounts of student debt and other financial responsibilities, I see a lot of first-time homebuyers struggling to save that much money. 

The good news is that if you find yourself in the position of wanting to buy a home and not being able to save 20-percent, there are other options to consider. Read More

 

*APY = Annual Percentage Yield | APR = Annual Percentage Rate

F = Fixed Rate | V = Variable Rate

LTV = Loan-to-Value, DTI = Debt-to-Income, PMI = Private Mortgage Insurance

The information provided assumes the purpose of the loan is to purchase or refinance a primary residence with a rate lock period of 60 days and an assumed credit score of 700 and loan amounts between $100,000 & $484,350 ($601,450) in Fairfield County only). Similar rates available for higher or lower loan amounts; LTV 75%-90% and lower credit history. A No PMI program is available for maximum loan to values of 90%. An escrow account may be required. Rates are subject to change.

Annual Percentage Rate(s) shown are the lowest rates available.  Your actual rate may vary and can be higher based on creditworthiness. Terms shown are the best terms available.  Rates are subject to change without notice. Other restrictions may apply. For our most current rates, visit our Rates Page.

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