Mortgage Loans                                                        

Mountain Credit Union has a solution for your home financing needs.                 Apply Now

Buying a home is a big deal, and our experienced staff can help make the process smooth and easy for you.                           

  • Competitive Rates                                                                                   
  • Fixed & Adjustable Rate Mortgages
  • First-time Homebuyer Programs
  • Conventional Loans
  • VA, USDA & FHA Loans
  • Up to 100% Financing
  • Investment Property
  • Second Homes

Mortgage Research Resources

Click Here To Go To Our Mortgage Payoff Calculator

Click Here To Go To Our Mortgage Refinance Calculator

Click Here To Visit Our House & Home Financial Resource Center

Refinance Your Home & Save Money

Refinancing your mortgage with Mountain Credit Union is simple and could save you thousands. 

Rates are at historic lows, which means:

  • Extra cash in your pocket monthly
  • Save thousands over the life of your loan
  • Cash-out for repairs or home improvements

With rates this low - right now is the time to refinance your home to reduce your monthly payment and save interest over the life of the loan!   Mountain Credit Union's Mortgage Department can get you started saving today! 

Click Here To Contact A Loan Officer To Start The Application Process 

Manufactured Home Loans

Mountain Credit Union offers financing for new or used manufactured homes attached to real property located in North Carolina.

  • New or used manufactured home
  • Fixed Rate Loan
  • 1% Origination Fee
  • Up to 20-year term
  • Minimum Loan Amount = $50,000

Click Here To Apply

Mortgage Eliminator

Lower your mortgage rate and pay it off quicker with Mountain Credit Union's Mortgage Eliminator Loan.

  • 10 year fixed rate loan
  • Reduce your current rate
  • Build equity faster

If you are ready to get your home down to a ZERO balance, click here to start the application process.

Click Here To Apply

Life, Auto, and Home Insurance

Homeowners Insurance provided through our TruStage Partner.

TruStage Insurance Agency. Home insurance savings for hard working people.


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