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Mortgages

Purchase your dream home

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Members 1st Credit Union has partnered with Members First Mortgages (MFM), a Credit Union-owned mortgage lender. Through our partnership, we can offer our members a variety of home loan options to fit their unique financial needs and goals such as:

  • Conventional fixed and adjustable rate programs up to 30 years
  • Government loan programs like FHA, Rural Development and VA (Veterans)
  • Construction financing
  • Jumbo loans and more!

You will work with a licensed and knowledgeable Mortgage Consultant at all stages of the process to help you navigate the mortgage process. Ready to get started? Contact us today at (530) 222-6060 x516.

Rates

Rates and APR* as low as

Conventional 30 Year Fixed

3.000%

Rate

3.147%

APR

Conventional 20 Year Fixed

2.875%

Rate

3.083%

APR

Conventional 15 Year Fixed

2.500%

Rate

2.764%

APR

Conventional 10 Year Fixed

2.375%

Rate

2.763%

APR

FHA 30 Year Fixed

3.000%

Rate

3.664%

APR

VA 30 Year Fixed

3.000%

Rate

3.000%

APR

5/1 30 Year ARM

5.000%

Rate

3.464%

APR

7/1 30 Year ARM

4.250%

Rate

3.382%

APR

Personalized Quote

*Last Refresh: 9/25/2020 10:16:04 AM

Important Rate Information: This is not a quote. These rates are published weekdays near 10:00am EST. Interest rates fluctuate throughout the day and may be different at the time you apply and will likely differ based on your specific scenario. The information provided here is general and assumes only the following scenario: Purpose of the loan: Purchase a property. Property location: Redding, CA 96049 Property Type: Existing single family home Property Use: Primary residence Estimated property value: $200,000 Estimated down-payment: $40,000 Loan amount: $160,000 (80% Loan to Value) Credit Score: 760 Escrow (impound) account is required. Rate lock period is 45 days. Fees: $3000 to estimate closing costs in order to approximate an APR. For a quote with specifics to your scenario please click on rates which contain a link to a quoting or application tool.

Understanding Mortgages

Helpful information to better understand the home buying process.
What to expect throughout the mortgage process
How to apply for a mortgage

Home insurance

You know you need it. But do you know how to get a deal?
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Apply now or speak with one of our loan officers at (800) 303-3838.
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