Members 1st Federal Credit Union - Mortgages - Mortgage Products

Mortgage Products

Whether you are buying your first home, a vacation home, or if you plan to relocate or refinance, we have a mortgage program tailored for you. View our different products below, check rates, or even apply online with our secure online application! Mortgage rates are subject to change daily.

To talk with one of our mortgage experts, call us at (800) 283-2328, ext. 6026. The Mortgage Services department is open Monday through Friday, 8:30am to 5:00pm.

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Choose from a wide selection of options:


Construction Loans

Work with us throughout the entire process of becoming a homeowner. The same rate applies for your construction and permanent financing:
  • 30- year construction mortgage
  • 15- year fixed construction mortgage
  • 7- year balloon construction mortgage

Mortgage Pre-Approvals

Know how much house you can afford prior to looking. Talk to us about how to get pre-approved. Our Mortgage Specialists will make the process easy for you.

Mortgage Refinancing

Lower your current payments with a lower rate mortgage.

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First Time Home Buyers

This program provides you with affordable financing with minimal out-of-pocket expense. First time home buyers can benefit from our relationship with the Pennsylvania Housing Finance Agency (PHFA).

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First Mortgages

This program provides you with affordable financing with minimal out-of-pocket expense. First time home buyers can benefit from our relationship with the Pennsylvania Housing Finance Agency (PHFA).
  • 5/1 ARM
    • This adjustable rate mortgage offers you a low, fixed interest rate for the first five years of your loan and then your rate adjusts once a year thereafter. This may be a good financing option for you, depending upon your individual circumstances and lifestyle. Rate adjustment caps of 2 percent annually and 5 percent over the life of this loan help you to be able to predict how your rate change will affect your budget. Ask for details.
  • Bi-weekly Mortgages

  • 30- Year Fixed Rate Mortgages

  • 15- Year Fixed Rate Mortgages

  • 7- Year Balloon Mortgages
    • Low monthly payment at the beginning
    • Final large payment due at the end of the term
  • 30- year Fixed VA/FHA Mortgages
    • Guaranteed by the federal agency
    • Offered to qualified armed forces, active military personnel, veterans or their widows
    • GHA insures the loan in case buyer can't make payments
    • Requires little or no money down
  • No Money Down Mortgages
    • 30- year fixed rate mortgage
    • No down payment required
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Education Programs

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Members 1st Mortgage Services
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Contact our Mortgage Services Department
(800) 283-2328, ext. 6026
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Mortgage Services Department Hours
Monday - Friday 8:30 am - 5 pm
EZ Loan Investment Services