Mortgages

SAVE UP TO $375* ON HOME APPRAISAL.

Get a home appraisal coupon valued up to $375 and learn about the homebuying process by attending our free Homebuyers Workshop.

TRUE PREAPPROVAL

A prequalification is simply a discussion with your lender, while a True Preapproval looks at your financial picture, including your credit report. The seller can see that you are ready to buy, and we can quickly get you to closing and move day. To make it even more appealing, the average True Preapproval can be ready for you in as little as one to two hours.

Once you have a True Preapproval with MSGCU, all you need is a new address.

Provide your income and asset information
MSGCU team will assess your financial situation and provide a preapproval letter
Easily apply for your True Preapproval with the MSGCU Mortgage and Refinance App or in-person with a friendly mortgage consultant

0% DOWN PAYMENT MORTGAGE FOR FIRST TIME HOMEBUYERS

With MSGCU in your corner, you can realize the dream of homeownership now, without waiting years to save for a down payment. Buying your first home can feel overwhelming, so our process is designed to build the right mortgage, just for you. You may be able to own for similar or even less than your rent.

Available on fixed and adjustable-rate mortgages for single-family homes or condos up to $500,000
Minimum credit score of 680
No property ownership in the last 3 years

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INTEREST RATE LOCK AND SHOP

Mortgage interest rates are influenced by housing market conditions and may change many times every day. MSGCU gives you the security of locking in an interest rate for up to 90 days while you shop for a home.

$250 non-refundable fee, collected only after you have a loan estimate, address, and are ready to move forward with the property.
One-time float-down option allows you to lower your locked interest rate, should rates go down 0.25% prior to your loan closing.
Your loan must close within the lock period. However, if your rate lock is due to expire before your closing MSGCU has interest rate extension options available.

*Receive an appraisal coupon valued up to $375 by attending our Homebuyers Workshop. Appraisal coupon credit will be applied at the time of closing.

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Members and communities are at the center of everything that we do. You have goals to reach and dreams to achieve, and we are here to help you prosper.

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SAVE UP TO $375* ON HOME APPRAISAL.

0% DOWN PAYMENT MORTGAGE FOR FIRST TIME HOMEBUYERS