Home Mortgage Special
No Money Down First-Time Buyer Program
More flexibility. More savings. More opportunity to own the home you want.
Buying a home should feel exciting — not overwhelming.
At MTC Federal Credit Union, we believe hardworking people deserve a trusted financial partner that makes the path to homeownership easier, more affordable, and less stressful. Whether you're buying your first home or looking for ways to lower your monthly payment, our mortgage experts are here to guide you every step of the way.
With flexible programs and personalized service, we're committed to helping you make home happen.
Start the conversation today, call us at 800-277-8793.
First-Time Homebuyer Program
Buying your first home can feel challenging — but it may require less money upfront than you realize with the MTC Federal First Time Home Buyer program. If you’ve been waiting to buy because of upfront costs, this program could help make your first home a reality. Program Highlights:
- Up to 100% financing available.
- Only 1% of personal funds required.
- Seller, family, or other approved sources may help cover additional costs.
- Available to qualified buyers who have not owned a home in the past 3 years.
No PMI Mortgage Program
Private Mortgage Insurance (PMI) can add hundreds of dollars to your monthly payment. With the MTC Federal No PMI Program, qualified borrowers can enjoy lower monthly payments without the added PMI expense. Program Highlights:
- Only 10% down payment required.
- No PMI.
- Available for purchase and refinance transactions.
- Lower monthly payments compared to many traditional mortgage options.
Mortgage Calculator
Estimate your monthly payment, see how different down payments affect your budget, and factor in taxes and insurance — before you even apply.
Why Choose Us
The MTC Federal Difference
At MTC Federal, we're more than a lender — we're your financial partner.
As a not-for-profit credit union, our focus is helping members succeed financially, not maximizing profits for shareholders. That means competitive rates, fewer fees whenever possible, and a team committed to helping you make smart financial decisions.
For more than 50 years, we've been working hard for hardworking people.
| MTC Federal | Typical Bank | |
|---|---|---|
| Personalized rate consultation | Call center only | |
| Fewer fees at closing | Higher origination fees | |
| Dedicated loan officer | Rotated between reps | |
| Member-owned, not-for-profit | Shareholder-driven |
Whether you're buying your first home, refinancing, or exploring your options, our mortgage experts are ready to help. Talk with a Local Mortgage Expert Today at 800-277-8793 or just fill out the form below to get started on the path to home ownership.
Get Pre-Qualified
Start Your Mortgage Application
Pre-qualifying through MTC Federal has no impact to your credit score.
Ready to Start Your Home Journey?
Apply online, call us at 800-442-7792, or stop by any branch to meet with a mortgage specialist in person.