Why a Mortgage with MTCU?  We underwrite and service your Home Purchase or Refinance Mortgage, right here at MTCU.  This means local and speedy decision making, with someone you already trust!  We service our mortgage loans, so you can continue to have the hometown relationship, with your largest and most valued asset.

New Purchase Mortgage

Make your home dreams a reality. MTCU Mortgage offers over thirty years experience, competitive rates, and your loan servicing stays here!

The Process of finding and financing a new home can be tricky for even the most seasoned homebuyers.  Our MTCU Mortgage team will be by your side through the whole process to answer questions and give advice. Plus, you’re not dealing with underwriters at an out-of-state bank, who may impose additional restrictions.  This means your file stays local from application to closing!

Whether you’re looking for flexible terms or competitive rates or low closing costs, we offer a variety of solutions to get you into the home of your dreams.

  • Conventional financing available
  • No pre-payment penalties
  • Choose from a variety of terms: 10, 15, 20, 25 and 30
  • As little as 5% down loan options
  • Local experts and quick decisions

 Refinance of an Existing Mortgage

You’re already in your dream home, but the rates or terms need to be adjusted.  MTCU offers Mortgage refinance.  You can take advantage of lower rates or even change your terms, to best fit your budget and financial plans.

With lower home rates and rising home values, now could be the perfect time to refinance your mortgage. 

  • No pre-payment penalties
  • Choose from terms of 10, 15, 20, 25, or 30 years
  • Refinance up to 95% of your Loan to Value
  • Local experts and quick decisions

MTCU Mortgage Refinance Loan can benefit you with:

  • Lower monthly payments
  • Pay off your home loan faster
  • Eliminate mortgage insurance

To apply for MTCU In-House Mortgage application must be completed with our Mortgage Officer at our 4717 N Midkiff Branch. We’re ready, when you are!   You can find your Application Information and Documentation Checklist here. We do not offer local underwriting or servicing for VA or FHA mortgage loans.