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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 new home or refinance 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 1/1/2023 – 3/31/2023 and closed by 6/30/2023. Valid for Residential Purchases, including second homes, and Refinances only. Home Equity, Home Improvement, Land, and Interim Construction loans are not eligible. 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 determine model/version. Acceptance of gift allows MCTCU to use member’s name and photos in marketing promotion.