MCT Credit Union can help you find the right mortgage for your home purchase. We can also help you refinance your current mortgage to a better rate! Whether it’s your first time getting a mortgage loan or you’ve done this before, our team will help you through every step of the process.

For current rates, please speak to our mortgage team by calling 409-727-1446 or 800-846-1751 or visiting a branch. To be eligible for loans, you must be an MCT Credit Union member. Credit qualifications may apply.

 

Purchasing

Buying a home is one of the biggest financial commitments of your life, so it’s important to make sure you’re comfortable with it.  We’ll explain your mortgage options in easy-to-understand language, help you figure out what you can afford, explain what your payment and interest would be with different terms, and assist you with your mortgage decision.

We offer competitive rates and flexible terms on fixed rate mortgage options:

  • Conventional mortgage loans
  • Federal Housing Administration (FHA) loans
  • Veteran’s Administration (VA) loans
  • United States Department of Agriculture (USDA)

Our mortgage team can help you understand the different types of mortgages available and select the home loan product that best meets your needs.

Refinancing

Have you considered refinancing your home? Refinancing can potentially save you lots of money by reducing your rate and/or your term. The most important factor in deciding whether or not to refinance is your personal financial situation. Our team can help you evaluate your options and guide you to the decision that best helps you meet your financial goals.

We offer refinancing at competitive rates for:

  • Conventional mortgage loans
  • Federal Housing Administration (FHA) loans
  • Veteran’s Administration (VA) loans