Mortgages and Home Equity

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Buy a Home

A standard mortgage is used to purchase a new home. Ready to get pre-qualified for your home loan? Here is what you will need to provide:

Last two (2) years of personal tax returns
Last two (2) years of W-2s
30 days of the most recent pay stubs
If self-employed, retired, or disabled, please call for additional documentation needs
A signed purchase contract is needed to complete the purchase.

We can also set up an escrow account to collect and pay your property taxes and insurance, making your monthly payments simpler and more convenient.

Apply Today

Refinance

A refinance mortgage lets you replace your current home loan with a new one, often to lower your interest rate, adjust your term, consolidate debt, or access equity. Ready to get started? Here is what you will need to provide:

Last two (2) years of personal tax returns
Last two (2) years of W-2s
30 days of the most recent pay stubs
If self-employed, retired, or disabled, please call for additional documentation needs

We can also set up an escrow account to collect and pay your property taxes and insurance, helping simplify your monthly payments.

Apply Today

Construction

A construction mortgage helps you finance the building of your new home.

Features you’ll appreciate:

Fixed rate
Interest-only payments during construction
Flexible disbursement schedule to pay your builder

If the construction loan is refinanced into permanent financing with MCCU, the origination fee on the permanent loan will be waived.

Apply Today

Home Equity

A Home Equity Line of Credit (HELOC) allows you to borrow against the equity in your home for flexible spending needs. To start your HELOC application, please bring the following documents:

Two (2) years of personal tax returns
Two (2) years of W-2s
30 days of the most recent pay stubs
If self-employed, retired, or disabled, please call for additional documentation needs

We also offer closed-end Home Equity Loans, which work similarly to a refinance but without paying off your existing mortgage. Both a Home Equity Loan and a Home Equity Line of Credit (HELOC) can be used to consolidate debt. A HELOC provides revolving access to funds with a 10-year draw period, while our principal and interest (P&I) option offers a structured 10-year repayment term.

Apply Today

Your Personalized Mortgage Journey Starts Here.

We prioritize your unique needs during the mortgage process.
Our dedicated team is here to guide you every step of the way, ensuring a smooth and informed experience.