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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.



Rates on Mortgages, Home Equity Loans & Lines of Credit



Private Mortgage Insurance (PMI) on Financing up to 97%



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. 
  • 97% Financing Program with 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
  • 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  10 or 15 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.   


  • Fixed rate
  • Borrow up to $695,750* for 8, 12 or 20 years
  • No annual fee

Learn more about our Mortgage Accelerators

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Reverse Mortgage Solutions

You can use a reverse mortgage to get a lump sum payment, monthly payments, or line of credit. You get paid to live in your home.

If you are 55+ years of age, you may benefit from a reverse mortgage solution.

Learn more about our Reverse Mortgage Solutions

Home Buying Ebook - Download Now!


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. Rates are based on an assumed credit score of 740, 70% loan to value(LTV) and loan amount based on FHA loan limits per county.

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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