Flexible mortgage options for every stage of homeownership

Not every borrower’s needs are the same. That’s why USMFCU provides a variety of home loan options designed to fit different situations. Whether you’re buying your first home, refinancing, purchasing a unique property, or looking for a specialized lending option, our team is here to help you find the right solution.

Zero Down Payment

More flexibility when buying a home.

Qualified borrowers may be able to purchase a home with little or no money down, helping keep funds available for moving, renovations, and other financial goals.

Adjustable-Rate Mortgages (ARMs)

Flexible options for changing needs.

An ARM may provide lower initial payments and can be a good fit for members who plan to move, refinance, or benefit from future market changes.

PMI Saver

Reduce monthly housing costs.

Qualified borrowers may finance up to 85% of their home’s value without Private Mortgage Insurance (PMI), helping lower monthly payments.

Doctor Loan

Mortgage options for medical professionals.

Designed for eligible physicians and qualifying medical professionals with flexible guidelines that may account for deferred student loan debt.

Non-Warrantable Condominiums

Financing for unique condo properties.

Options available for certain condominium purchases that may not meet traditional mortgage guidelines.

Hobby Farm

Make room for the lifestyle you love.

Financing options for eligible properties with acreage used for personal farming, livestock, or crops—not as a primary source of income.

Barndominiums

Financing for non-traditional homes.

Financing options for eligible properties that combine a home with flexible spaces such as workshops, garages, or other custom-use areas.

Best Score Family Helper Loan

Helping family members achieve homeownership.

A mortgage solution designed for members assisting a qualified family member with purchasing a primary residence.

States We Serve

USMFCU proudly offers mortgage lending in:

Find the mortgage option that fits your goals

Every homebuyer’s situation is different. Our Mortgage Lending Team can help you explore available options and choose the solution that best fits your needs.