Home Mortgage

Keep It Local

MVFCU recognizes that if there's one financial decision in life where saving money really matters, this is it!  Buying or refinancing your home is a big decision; choosing the right lender matters.  At MVFCU we offer a variety of fixed and variable rate mortgages with a loan staff here to help you feel right at home with your decision.  Save time and money before you shop by pre-qualifying for your mortgage.  Call our loan department for current rates or to make a no obligation appointment.

Home Loan Options

  • Conventional Loans (30, 20, 15 and 10 year terms)
  • Adjustable Rate Loans (5/5 and 5/1)
  • First-Time Homebuyer Loans
  • Lot and Construction Loans
  • Veterans Loans
  • No Closing Cost Options
  • USDA Financing
  • Free-In-Ten: Accelerated payoff terms, ideal for members who want to pay off their home in 10 years or less

Full Service Banking

Make MVFCU your one and only stop for all your banking needs.  Pay your low rate mortgage loan directly from your FREE MVFCU checking or savings account with a click of a button online, or swipe of your finger using the My Mobile MVFCU app.  See a MVFCU staff member to learn why It pays to bank where you’re part owner!

Rate Match Guarantee Disclosure

*Limited-time offer available for secondary market purchases (fixed 15, 20 or 30 year mortgage). Loan Estimate and Closing Disclosure from competing lender must be dated and received within 3 calendar days prior to locking interest rate at Minnesota Valley Federal Credit Union (MVFCU). The terms of the competing loan must be identical to MVFCU loan.  If the loan does not close within the commitment period, the rate match may be voided.  To receive $500, member must provide a signed, executed copy of the final Closing Disclosure and a copy of the mortgage note within 30 calendar days of loan closing with another lender. Offer not valid if original loan terms or conditions change prior to closing. Once approved, $500 will be automatically deposited into applicants MVFCU account within 30 calendar days of receiving the necessary documentations. Applicant must have existing, or open a new account with MVFCU to recieve $500.  Excludes Refinance of existing MVFCU Mortgages .  Other restrictions may apply.

Get Started

Ready to move forward with your mortgage purchase, refinance, improvements?  Start by filling out our online mortgage application. 


Calculate Your Mortgage Payment

Loan Calculator ImageUse our loan calculator to calculate for your payment amount, how much you'll need to borrow or the term you'll need to finance.


Buying Your First Home?

Looking into buying your first Home? MVFCU has the information and tools you need to know about buying a home and financing.  CLICK HERE

Remember to Look for Hidden Fees

When buying or refinancing be sure to review the Loan Estimate.  The loan estimate  is a written list of the estimated closing costs involved in a mortgage transaction, including the lender's charges as well as the local closing agent's charges and fees.

No Closing Costs Options Available

Ask us how you can refinance your mortgage without having to pay closing costs! 


To learn more about mortgage loans: CLICK HERE


It Pays to Bank Where You’re Part Owner®