Home Mortgage Loans

Mortgage Solutions Designed for You

 

  • Competitive Rates
  • Variety of Programs
  • Free Pre-Qualification
  • Refinancing Available
Mortgage Rates

Buying a Home Is A Milestone

Whether you’re stepping into your first front door or looking to refinance your current one, we’ve got the local expertise to get you there.

 

Our Mortgage Menu

Competitive Rates Keep more of your money where it belongs—in your pocket.
Variety of Programs Options for first-time buyers, veterans, and everyone in between.
Refinance Options Lower your monthly payment or tap into your home's equity.
Simple Process No hoops, no headaches—just clear steps to your closing date.

 

Choose SMCU

We combine big-bank rates with the personal touch of a local partner.

  • Local Logic: Our advisors live and work in your market—they know the neighborhoods as well as you do.

  • Fast-Track Decisions: Because we’re local, our decision-making happens right here, not in a skyscraper a thousand miles away.

  • Tailored Terms: Your life isn’t "one size fits all," and your mortgage shouldn’t be either.

  • Total Versatility: From your primary residence to that dream vacation home or an investment property, we’ve got you covered.

 

The "Pre-Qualification" Power Move

Start your search with confidence. Get pre-qualified for free to show sellers you mean business.

Member Bonus: Because our members always come first, completing your free pre-qualification earns you a $400 credit at closing!¹

 

Ready to View Rates?

We keep our rates transparent and updated.

Mortgage Rates

 

Get In Touch

Connect with our dedicated Mortgage Originators today!

     

 

Find Your Perfect Financing Fit

At SMCU, we offer a suite of options designed to match your specific financial goals.

 

Choose Your Path

Whether you crave stability or flexibility, we have the right structure for you:

  • Fixed-Rate Mortgages: Fixed Rates to lock in your peace of mind. Your rate stays the same for the life of the loan, making budgeting a breeze. Learn more

  • Adjustable-Rate Mortgages (ARMs): Ideal if you plan on moving or refinancing in a few years. These often start with a lower initial rate than fixed options. Learn more

  • Jumbo Mortgage Loans: If you’re eyeing a spacious residence designed for the whole family. Learn more

  • Specialized Programs: Mass Housing Partnership (MHP) Looking for an extra edge? Through our partnership with the MHP, we offer products with reduced interest rates to help make homeownership more affordable. Learn more

    • Note: These programs are subject to income limits and require a homebuyer counseling course. Talk to our team for more information.

 

We'll Guide You

Still not sure which path to take? You don't have to figure it out alone. Get in touch with our expert Mortgage Originators, Karen Mitchell or Maria Mendoza, to build a plan that works for you.

Apply Now

1Valid for St. Mary's Credit Union mortgage pre-qualification only. Valid on new home purchase mortgages, excludes co-op, mobile or manufactured homes. Subject to credit and loan approval. Consumers Only. Owner Occupied Only. One coupon per loan. Closing costs credit is not applicable to home equity loans or lines of credit. Membership eligibility required. Offer may be withdrawn at any time. Coupon will be credited at closing. Consumer should reference coupon in online application or in person.