Welcome to MCCU’s Mortgage Programs in Middlesboro, KY

Members Choice Credit Union is here to support Middlesboro residents on their path to homeownership. Whether you’re buying your first home, refinancing an existing loan, or seeking a specialized mortgage, MCCU offers flexible, competitive solutions tailored to your financial situation. Let us help you turn your homeownership aspirations into reality with personalized service and local expertise.

 
 
 

Mortgage Options Available in Middlesboro

Steady Fixed-Rate Mortgages

Choose a fixed-interest mortgage for predictable, unwavering payments over the life of your loan. This option provides financial stability, helping you plan for the future in Middlesboro without surprises. Our fixed-rate options are available for terms ranging from 15 to 30 years, allowing you to select what best aligns with your goals.

Adjustable-Rate Mortgages (ARMs)

For those who anticipate a shorter ownership timeline or want to benefit from lower initial rates, ARMs are an excellent choice. They start with a lower interest rate and adjust periodically, offering potential savings early on. MCCU’s ARM offerings give Middlesboro homeowners flexibility as their needs evolve.

FHA Loans

Designed to make homeownership more accessible, FHA loans require lower down payments and offer lenient credit standards — ideal for first-time buyers or those with limited savings in Middlesboro.

VA Loans

Eligible military personnel, veterans, and their families can take advantage of VA loans, which often require no down payment and provide competitive interest rates, easing the homebuying process.

Luxury and Large-Home Financing with Jumbo Loans

Planning to purchase or refinance a high-end or estate-sized property? MCCU’s Jumbo Loans deliver the funds you need for premium homes. With favorable rates and flexible terms, you can enjoy financing options that match your high-value property goals in Middlesboro.

 
 
 

Why Middlesboro Residents Trust MCCU?

Partnering with MCCU means working with a community-oriented financial institution that prioritizes your needs. Here’s why local residents choose us:

  • Member-Focused Approach: As a nonprofit, we dedicate profits to providing lower rates, minimal fees, and friendly personalized service.

  • Heightened Local Knowledge: Our team understands Middlesboro’s real estate market and offers advice tailored specifically to your situation.

  • Comprehensive Financial Tools: Beyond mortgages, we provide a full range of banking products designed to support your financial well-being.

  • Streamlined Process: Our easy membership and application procedures help you get into your new home faster and with less hassle.

 
 
 

How to Get Started with MCCU Mortgage Loans

Ready to start your journey to homeownership? Here’s how to get started:

  1. Check Eligibility: See if you meet the membership requirements and understand the basic qualifications for our mortgage loans.

  2. Apply Today: Whether online or in person, applying for a mortgage loan with MCCU is easy. We’re here to support you every step of the way.

For more information on our mortgage loans, current rates, and how to become a member, visit the links below:

 

Start Your Homeownership Journey Today!

Are you ready to explore mortgage options in Middlesboro? Contact our mortgage professionals or schedule a consultation to begin the process of securing your new home.