Home Sweet Home

Mortgage Loans

Owning your own home is all about peace of mind—and having the right mortgage plays a huge role. Our experts will work with you to understand your situation and match you with a loan that is in your comfort zone. Ready to get started?

Icon of a person with a headset
Personal Service

Have questions? Let's talk. Our mortgage experts are here to help you figure things out. 

Icon of a calendar
Free Seminars

Looking to learn more about buying a home? Come to a free mortgage seminar and learn just how simple financing can be.

Icon of a coin on a computer screen
Online Application

With our safe and straightforward online form, you can submit an application in just a few minutes.

Know your options

Icon of a house
Mortgages Types

Whether you are buying your first home, a vacation home, are relocating or looking to refinance your existing mortgage, we have a mortgage program tailored to your needs.

Icon of wrench and screwdriver
Construction Loans

We'll work with you to finance the home of your dreams—even if it doesn't exist yet. Only one closing is required. The same rate will apply for your construction and permanent financing. We offer 30-year construction mortgage, 15-year construction mortgage or a 5/1 Adjustable Rate Mortgage (ARM).

Icon of a pen and card with a dollar sign
Land Loans

If you're looking to build a new home, we'll make financing your land purchase effortless. We offer 3, 5, 7, 10 or 12 year terms.

We offer mortgage services in:

  • Alabama
  • Arkansas
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • New Hampshire
  • Nebraska
  • New Jersey
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Utah
  • Vermont
  • Virginia
  • West Virginia
  • Wisconsin
  • Wyoming
Icon of a calculator


Use this calculator to estimate monthly mortgage payments, interest payments, and the impact of principal payments.

View Calculator
Our Blog


Borrow Wisely, Mortgage
5 Things to Know Before Buying an Older Home

The house has historical charm and checks many of my “must-have” boxes. Sold! Once I took off the rose-colored glasses, I realized the challenges of owning a 100-year-old home.

Read More
Mortgage, Borrow Wisely
How to Save for a Down Payment on a House

We all know that a larger down payment will reduce your monthly mortgage. Follow these step-by-step instructions on how to start saving for a house.

Read More
Borrow Wisely, Mortgage
Costs Involved in Owning a House

New homeowners are often surprised by the costs of owning a home. Your mortgage is one thing, but what else adds to homeownership expenses?

Read More

Common Questions

A mortgage is a big commitment. Before you start house hunting, we suggest meeting with one of our mortgage experts to discuss your individual circumstances and needs.

This depends on your personal situation. A fixed rate mortgage means you have a set interest rate and your payments remain steady through the life of your mortgage. With an adjustable rate mortgage, your interest rate will fluctuate over the life of your loan, which affects the amount of your payment.

A down payment is cash that you pay up front to get the loan. It is deducted from the total amount of your mortgage and it is what helps you to start building equity in your home. It's best to talk with one of our mortgage experts to figure out what you need for your down payment.

To apply for a mortgage, you'll need to show proof of income. Talk with one of our mortgage experts prior to shopping for your home so you can get prequalified.

Icon of a star

Still have questions?

Your home will likely be the biggest investment you ever make. Our team of highly knowledgeable—and super friendly—mortgage experts are here to guide you through the process.

We're Here to Help

Getting Ready for Life's Moments and Milestones

Visa Signature® Card

Get 1.5% cash back (or 1.5 points) on every dollar you spend. On top of that, you get emergency medical coverage, trip interruption insurance, and Visa Signature Concierge Service—all with no annual fee.

Get Started

Buying a House

Your home will likely be the biggest investment you ever make. Here’s everything you need to know—and who to talk to if you’d like some personalized guidance.

Get Started

Goal Savings

Save for big plans—a little at a time. With great rates and powerful in-app tools, it’s never been easier to set (and achieve) your long-term goals.

Get Started


Protecting what you care about shouldn’t be complicated or unaffordable. We offer a full range of personal, group, auto, health, and life insurance plans through the most respected insurance companies in the business.

Get Started

Hit the Road

Hear that? It’s the open road calling. Here’s how to get an auto loan quicker and smarter.

Get Started

Off to College

Welcome to the start of a new beginning! Here's how to avoid student loans and make the most of saving for college.

Get Started

Please be aware that by continuing you will be leaving www.members1st.org and viewing content from another website.

For your protection please be advised that public Internet email is not secure. Various links within our web site allow you to submit information to us by public Internet email. Please DO NOT provide personal or account information through public email or submit any personal information that would compromise your identity including your account number, social security number, credit card numbers, electronic services PINs, passwords or mother's maiden name. Members 1st will not respond via public Internet email to requests-for-account-information or account activity. Please contact Customer Service with these types of requests at (800) 237-7288 or (717) 795-6049.