WE MAKE MORTGAGES EASY.

Our team of experienced mortgage professionals is passionate about finding the right mortgage solution to meet your needs. Our staff will work efficiently and proactively to help get you in the home of your dreams. We believe strongly in building long term relationships, so you can have confidence knowing we will never sell your mortgage after it closes.

THERE’S FINDING A HOUSE. THEN THERE’S FINDING YOUR HOME.

Let's get started today in helping you get into the home of your dreams. Our experienced staff is ready to guide you through the process. Apply today!

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Check Rates

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The Annual Percentage Rate (APR) is the annual cost of a loan including fees. Programs, rates, terms and conditions are subject to change without notice. Rates may vary based on individual credit history. Please contact the credit union for current rate information.

Purchase

Buying a home is one of the biggest decisions a person makes during their life time. Working with a trusted partner during this process can save a lot of headaches and help avoid many of the pitfalls that could come up during the home purchase process. We strive to educate and assist our clients to navigate the home buying experience in a quick and stress-free process.

Products offered:

  • Up to 97% loan to value
  • Condos/manufactured homes
  • Investment properties
  • First-time homebuyers

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Refinance

When you're making your decision to refinance, there are several things to keep in mind.

If your current interest rate is significantly higher than today's lowest rates, you may be able to roll your loan costs into the loan and still get a lower rate than you have today, thereby reducing your interest payments and saving money immediately.

Second, if you are planning to stay in your home for at least three to five years, it may make sense to pay "points" (a point equals 1% of the loan amount) and closing costs to get the lowest available rate.

And third, you can avoid laying out cash and still get a low rate by adding the points and closing costs to your new mortgage. Does that mean shouldering a lot of extra debt? Not necessarily. If you've had your current mortgage for at least three years, you've probably reduced your balance by several thousand dollars. So you may be able to tack your closing costs onto your new loan and still end up with a mortgage that's smaller than your original one -- plus, of course, a lower rate and lower monthly payment.

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MUNA Federal Credit Union
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Call us today at 423.975.0025
400 N State of Franklin Rd | Johnson City TN. 37604 | NMLS Number: 813199

NCUA Equal Housing Lender