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Finding the right home is hard enough. Paying for it should be simple. Leave the financing to your new neighbors.

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing

Homeowner Has a Nice Ring to It

Finance your next Mortgage Loan with MCT and receive a Ring Doorbell for FREE*!

MCT financing offers you:
  • Competitive, fixed rates for home purchase, refinance, or construction
  • Available for a primary residence, second homes, vacation homes, or investment properties
  • A wide range of financing programs available:
    • Conventional mortgage loans
    • Federal Housing Administration (FHA) Loans
    • Veterans Administration (VA) Loans
    • United States Department of Agriculture (USDA) Rural Housing Loans
    • Construction loans
  • Helpful loan advisors with working knowledge of the Southeast Texas real estate market
  • Free pre-approval for extra confidence when buying your home
  • Refinance your current home to potentially lower your rate
  • Flexible terms that fit your budget
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish


*Offer valid for eligible Real Estate loans applied for and approved between 4/1/2023 – 6/30/2023 and closed by 9/30/2023. Not valid for Land and Interim Construction loans. Minimum loan amount $20,000.  All mortgage loans are subject to approval based on credit history, ability to repay, and terms; some restrictions may apply. Please see Credit Union for additional restrictions and details. Ring Doorbell™ will be gifted at loan closing. Limit one per loan while supplies last. Ring Doorbell™ version may vary based on supply and MCTCU has the right to determine model/version. Acceptance of gift allows MCTCU to use member’s name and photos in marketing promotion.