Your Dream Home Starts Here


At MCECU, we're here to help you open the door to homeownership. Whether you're buying your first home, upgrading, or refinancing, our mortgage solutions are designed with you in mind.
30-Year Term:
 
Your monthly payments are spread out across 30 years to keep them affordable.
Down Payment Assistance:
 
You can use our Great Choice Plus down payment assistance for any loan-related costs, including your down payment and/or closing costs. 
Fixed Interest Rate:
 
The interest rate never changes throughout the entire life of the loan.
Minimum Credit Score:
 
The credit score of everyone on your loan application must be at least 640. If you do not know your credit score, view it for free in SavvyMoney in Digital Banking.
Program limits:
 
The maximum of your total household income and the price you can pay for a home and still qualify for the Great Choice Home Loan program varies by county.








Purchase                Loan

 
  • Conventional
  • FHA
  • VA
  • USDA
  • As little as 3% down

Fixed Second Mortgages

 
  • 15-year term available
  • Low closing costs










Let's face it, buying a home is complicated, whether you're buying, refinancing, drawing from your equity, or investing in rental property.  

With MCECU, you'll get more than just a mortgage - you'll get a partner committed to helping you feel confident in one of life's biggest decisions. 
 
Apply for a Purchase or Refinance through "QuickApply" in Digital Banking!

Don't have Digital Banking? Register Now.

Or, Contact Us today to learn more about purchasing or refinancing a home.

Private Mortgage Insurance is not required for refinances.

NMLS# ID 712315