Search
Previous Menu
HIGH BALANCE MORTGAGES
Open Doors with Higher Lending Limits
When home prices rise, so does your buying power with High Balance Home Mortgage.
Never Settle For Less.
A high-balance mortgage lets you go above and beyond typical loan limitations, and increased lending limits means you can secure a home with a high market value. Get the most out of your mortgage with a super-conforming loan from MCU.
Higher Borrowing Limits
Looking for a home in a higher-cost housing market? A high-balance home loan features an increased lending limit based on local property values.
High-Cost Area Financing
Get access to the schools, neighborhoods, and recreational living of high-cost counties as defined by the Federal Housing Finance Agency (FHFA).
Top-Tier Support
As an MCU member, you’re never alone. When you bank with us, you get access to a team of experts to help you achieve your goals.
We’re Ready to Help You Get Past Any Homebuying Hurdles.
Whether you’re just starting browsing for real estate in your area or have already picked out your dream home, MCU is ready to help you bring your goals to life.
Our team of Lending Sales Specialists is excited to help you find the right lending option for your unique needs, and ready to answer any questions that pop up along the way.
Take Advantage of a Fixed-Rate High-Balance Mortgage.
Experience peace of mind knowing your rate is locked in for the full duration of your loan.
15-Year Term
Take out a loan over a 15-year term, and experience rates as low as 6.375% APR*.
30-Year Term
Take out a loan over a 30-year term, and experience rates as low as 6.875% APR*.
Looking for a Different Type of Mortgage?
Finding the right mortgage can be challenging. That’s why we offer our members a variety of mortgage options—all with member-friendly terms, competitive rates, and top-notch support.
Conventional Mortgages
Are you looking for low-interest rates and member-friendly terms? Consider our most common type of home loan—an MCU Conventional Mortgage.
Jumbo Mortgages
Purchasing a luxury home or higher-priced property? A Jumbo Mortgage may give qualified borrowers a higher lending limit—up to $1 million.
Adjustable Rate Mortgages
Want the best of both worlds? Our Adjustable Rate Mortgages combines the benefits of fixed and adjustable rates into one great loan option.
Get Expert Support, When You Need It.
Connect with one of our Lending Sales Specialists to receive personalized support with all of your lending needs—just another perk of being a member of the MCU community.
Connect with
Carl Gayle
Schedule a one-to-one meeting.
Connect with
Stephanie Rodriguez
Schedule a one-to-one meeting.
Connect with
Taurean Durham
Schedule a one-to-one meeting.
Connect with
Cesarina Pena
Schedule a one-to-one meeting.
Connect with
Arnold Allston
Schedule a one-to-one meeting.
Connect with
Xiang He Lin
Schedule a one-to-one meeting.
Connect with
Michele Palmucci
Schedule a one-to-one meeting.
Connect with
Sherry Munro
Schedule a one-to-one meeting.
Connect with
Jerrel Sturrup
Schedule a one-to-one meeting.
Connect with
Stephanie Fernandez
Schedule a one-to-one meeting.
Connect with
Emilio Sosa
Schedule a one-to-one meeting.
Connect with
Warren Irons
Connect with
Shantell Wynn
Schedule a one-to-one meeting.
Connect with
Gary Cotes
Schedule a one-to-one meeting.
Connect with
Pedro Lopez
Schedule a one-to-one meeting.
Connect with
Sabrina Kilgore
Schedule a one-to-one meeting.
Connect with
Omar Osoria
Schedule a one-to-one meeting.
Connect with
Adam Gonda
Schedule a one-to-one meeting.
Connect with
Walter Skowronski
Schedule a one-to-one meeting.
Connect with
Sean Remy
Connect with
Carlos Raposo
Schedule a one-to-one meeting.
Connect with
Gabrielle Naughton
Connect with
Justyn Chery
Connect with
Raquel Bhola
Explore Additional MCU Lending Options.
We work hard to ensure that our community heroes get the financial support they deserve. Whether you're buying a home, a vehicle, or something else, MCU is here to help you along the way.
Personal Loans
Need to pay for an unexpected expense, a special event, or just need some extra cash to consolidate some high-interest bills? An MCU Personal Loan is a hassle-free way to access the funds you need and take control of your finances.
Auto Loans & Services
Get access to reliable products that help you buy, refinance, or insure your car. Explore our affordable loan and service options so you can focus on what really matters: grocery runs, daycare pickups, or a new commute.
No Matter Where You Are in Life, We’re Right There with You.
At MCU, we believe that a credit union should be a lifelong source of financial education and support—from planning for college to saving for retirement and everything in between.
That’s why we have specialized recommendations for products and services designed to help you meet your goals (both short-term and down the road), based on your changing needs and priorities.
Make the Most of Your MCU Membership.
Membership in our community is about more than just banking. As an MCU member, you can access valuable information and resources to help you plan and reach your financial goals.
.jpg)
All about Private Mortgage Insurance (PMI)
What to Consider Financially As A First-Time Homebuyer
Mortgages 101: Getting Started on The Path to Homeownership
Ready to Purchase Your Dream Home?
Join now to get access to the competitive rates, savings products, and educational resources you need to secure an exceptional financial future—and the residential property of your dreams.
