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The Mortgage Store

Whether you're a first-time homebuyer or looking to refinance, we offer mortgage options to meet your needs.

Traditional Fixed Rate Mortgages

A traditional fixed-rate mortgage offers the comfort of knowing exactly what your payments will be, month after month, for the life of the loan. In a low-rate environment, borrowers tend to prefer a fixed-rate product that can protect them from possible interest-rate increases.

  • Competitive rates
  • Terms up to 30 years
  • Absolutely no prepayment penalties
  • MUCFCU will loan up to 80% of the market value of your home
  • Closing costs as low as $499.00 on qualifying mortgages
  • Tax deductible interest
  • Payment remains constant for the life of the loan
  • No loan application fee
  • Ask about our Immediate Loan Decisioning

Apply for Fixed Rate Mortgage Back to top

Certain credit restrictions apply. Fees may be assessed for late payment; for a complete list of possible fees, see the Fees page. Consult with a tax advisor regarding the deductibility of interest. Rates, terms, conditions and product components are subject to daily change without notice. To request a Home Mortgage Disclosure Act (HMDA) Disclosure Statement, click this link, enter Miami University Community FCU in the "Institution Name" box, and follow the instructions on the screen; or contact MUCFCU to request a copy.

Construction Loans

Whether you've already decided to build your own home or are just dreaming about it, we can help you make those dreams become a reality. A Construction Loan is a temporary loan, usually lasting six months to a year, that is used to pay for the building of a home. The funds from a construction loan are paid out in stages over the course of the building project.

  • Lot financing available
  • Competitive rates
  • Terms up to 30 years
  • Absolutely no prepayment penalties
  • Tax deductible interest

Apply for Construction Loan Back to top

Certain credit restrictions apply. Fees may be assessed for late payment; for a complete list of possible fees, see the Fees page. Consult with a tax advisor regarding the deductibility of interest. Rates, terms, conditions and product components are subject to daily change without notice.

Rick Parker

Senior Mortgage Official • NMLS #1561044

Phone: (513) 523-8888

Ashley Erskine

Mortgage Officer

Phone: (513) 523-4699 ext. 9507

 

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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

 

Certain restrictions may apply to the products and services described above. Contact the credit union for details. MUCFCU is not an entity of Miami University.