Loan Features
Enjoy the advantages of a Members 1st mortgage.Lock and Shop
Enjoy peace of mind with Lock & Shop. Secure a competitive rate with our free rate locks and rate lock extensions. Focus on finding your dream home, not changes in the market.
Our Award Winning Team
Whether you're ready to buy, build or need a specialized loan solution, our knowledgeable, local lending experts are ready to support your next step, whenever you're ready to take it.
Manufactured Home in Park Loans
Borrow up to 95% of the home’s value with terms up to 25 years. Must be owner-occupied. Purchase and refinance options available.
Please contact your Mortgage Loan Officer for a quote. Send us a chat, call 800.856.7328 or visit your local branch to get started.
Conventional Loans
Purchase your new home with as little as 3% down, with 10- to 30-year terms available. Loans up to $806,500.
Jumbo Loans
Make your dream home a reality with a jumbo loan, starting at $806,501. 10- to 30-year terms with firmer credit requirements.
Government-Guaranteed Loans
Enjoy low down payment options and flexible requirements that help make your homeownership dreams a reality!
- VA Loans
- USDA Loans
- FHA Loans
Individual Taxpayer Identification Number (ITIN) Loans
Buyers without a Social Security Number who can demonstrate a three-year history of residence in the United States and paying income taxes can secure up to 80% financing with terms up to 30 years. Non-traditional credit and flexible down payment options available!
Non-Traditional Loans
Properties and buyers that don’t meet secondary market requirements can still get a loan with us!
- Twice-moved manufactured homes
- Two homes on one lot
- Mixed-use homes
- Investment properties
- And more!
Rates
View our current mortgage rates at roguecu.org
We do business in accordance with the Fair Housing Act
(The Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988)The Fair Housing Act protects people from discrimination when they are renting or buying a home, getting a mortgage, seeking housing assistance, or engaging in other housing-related activities.
Who is protected?
It is Illegal to Discriminate Against Any Person Because of Race, Color, Religion, Sex, Handicap, Familial Status, or National Origin
- In the sale or rental of housing or residential lots
- In advertising the sale or rental of housing
- In the financing of housing
- In the provision of real estate brokerage services
- In the appraisal of housing
- Blockbusting is also illegal
How to Report Housing Discrimination
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination:
1-800-669-9777 (Toll Free)
1-800-927-9275 (TTY)
www.hud.gov/fairhousing
U.S. Department of Housing and Urban Development
Assistant Secretary for Fair Housing and Equal Opportunity
Washington, D.C. 20410
1. All lending products are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may apply and may vary based on borrower qualification and collateral conditions. This is not a commitment to lend. Down payments less than 20% of the loan amount may be subject to private mortgage insurance (PMI).
Down payments less than 20% of the loan amount may be subject to private mortgage insurance (PMI).