The Guaranteed Better Mortgage is with MTC Federal.

When you work with a financial institution that puts its members first, you can count on better rates, attention to detail, and a commitment to your well-being.

Mortgage services from MTC Federal include:

  • Purchasing or refinancing
  • FHA, VA, USDA and conventional loans
  • Fixed and adjustable rate options
  • Up to 30 year terms
  • Land loans available
Mortgage site demos on laptop & iPhone

A Partnership with Power for you:

MTC Federal's Mortgage Borrowing Center powered by Member Advantage Mortgage, offers all of the tools and services you need to help decide the best mortgage loan for you.

Together, we’ve established a site that includes:

  • Up-to-the-minute rates & calculators
  • Checklists for everything you’ll need throughout the home-buying process
  • Simple online applications
  • An encrypted login to safely manage your application and data
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First-time Home Buyers

We offer flexible terms for mortgages to help you purchase your first home. Our experts can help you choose the mortgage that will best meet your needs.

  • APR as low as 3.039%
  • Up to 30-year term loans
  • FHA, VA, USDA and conventional loans

Short-term Mortgages

Short-term mortgages give you the path to financial freedom sooner. With lower-interest rates and flexible refinancing options, more of each mortgage payment goes directly to principal.

  • 5/1 ARM
  • 15-year
  • Low closing costs

Refinancing Your Home

Refinancing your home capitalizes on your equity and can help you lower your monthly payments as well as reduce the amount of interest paid over the life of your mortgage loan.

  • Lower monthly payments
  • Low closing costs
  • Build equity faster

Current Rates


Tips and Trends


Down Payment Tips for First-Time Home Buyers

These four basic steps can help you save enough to buy your first home.

Read More

The Key to Home Ownership Begins Here

First-time Home-buyer? 10 commandments to live by during your mortgage process.

Read More »


The Cost of Home Ownership

Mortgage calculators to help you know which home you can afford.

Read More »

Member Service Is Our Very Best Product

Our Mortgage Specialists are standing by each business day to answer your questions, and explore the best financing options for you.

©2021 MTC Federal Credit Union. All rights reserved. Federally insured by the NCUA. Equal Housing Lender. MTC Federal proudly partners with Member Advantage Mortgage, LLC NMLS #1557. Programs, rates, terms and conditions are subject to change at any time and without notice. All approvals subject to underwriting guidelines. Not all applicants will qualify. Mortgage products may not be available in all states. Consult your tax advisor regarding interest deductibility. Other restrictions may apply.