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Whether you are a first-time home buyer or you’re looking for a shorter term or better rate on the home you already own, MTC Federal’s full-service mortgage program can help you reach your goals. We understand that buying a home is a big decision and we’re here to support you every step of the way! Our Mortgage Specialists will answer your questions and make sure you’re comfortable with your financing and term options. If you already have a mortgage somewhere else, bring it home to MTC Federal to get a rate and term that works better for you.

 

We offer a variety of mortgage loan options to help you purchase or refinance a primary home, secondary home or investment property. Our experts can help you choose the mortgage that will best meet your needs.

  • Available for purchasing and refinancing
  • FHA, VA, USDA and conventional loans
  • Fixed and adjustable rate options
  • Up to 30 year terms
  • No Private Mortgage Insurance (PMI) option
  • No closing cost option
  • Manufactured homes

We also offer second mortgages or home equity loans to help you take advantage of the value in your home. Learn more.

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Current Rates

ProductRate as low asAnnual Percentage Rate (APR)
Rates subject to change. Please call for quote. Additional discounts may be available.
30 Year Fixed3.88%4.08%
20 Year Fixed3.88%4.17%
15 Year Fixed3.50%3.87%
7/1 Arm3.82%4.02%
5/5 Arm3.57%4.22%
5/1 Arm3.07%4.03%
3/3 Arm3.32%4.25%
3/1 Arm2.82%4.10%
2/2 Arm2.67%4.29%
1/1 Arm2.57%4.27%

Refinancing your home for a shorter term can help you lower your monthly payments or reduce the amount of interest paid over the life of your mortgage loan. Whether you already have a mortgage through MTC Federal or currently have a mortgage somewhere else, talk to one of our Mortgage Specialists if you’re thinking about refinancing your home for a shorter term. We’ll help you make every dollar count!

  • 5 to 15 year terms
  • Lower closing costs

Get Started

Current Rates

TermRate as low asAnnual Percentage Rate (APR)
Rates subject to change. Please call for quote. Additional discounts may be available.
7 Year3.50%4.20%
10 Year3.65%4.15%
12 Year3.80%4.23%

If you’re thinking about purchasing a piece of land, we can help. We offer great rates on property loans to help you buy land for recreational purposes, as an investment, or as the place to build your future home.

  • Fixed rate loan
  • Maximum Loan to Value 85%
  • Land must be free of improvements
  • Terms up to 15 years

Get Started

Current Rates

TermRate as low asAnnual Percentage Rate (APR)
5 Year5.75%6.73%
10 Year6.75%7.28%
15 Year7.75%8.14%

To apply for a loan from MTC Federal Credit Union, you must be a credit union member. Learn more. If you have questions or need assistance, please contact us at 800-442-7792 or visit a branch near you.

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