Home Loans

Mid Cities Credit Union offers competitive rate real estate loans with no application or origination fees to fit your home loan needs:

  • 10 Year, 15 Year, and 30 Year Fixed Rate Mortgages
  • 3/1 and 5/1 Adjustable Rate Mortgages
  • Second Mortgages
  • Home Equity Lines of Credit with 3.99% APR* Introduction rate for 6 months

Real Estate Program General Overview

  • Loan amounts from $10,000 to $417,000
  • No origination fee
  • .50 to 1.00 Points
  • California property only
  • 80% Loan-to value for owner occupied 70% for Non-owner occupied property
  • Members approved for a Real Estate will be required to repay all past due or charged off debtors.
  • Full appraisal required
  • 2 Years completed tax returns and current pay stubs required
  • Match rates available with proof of rate and management approval

For more information, click here to download our Home Loan spec sheet.

*APR=Annual Percentage Rate. Loans subject to credit approval. Terms subject to change at any time.


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