Mortgages
Get a Mortgage With MCU
Up to $1500 Lender Credit*
Monterey Credit Union offers 15 and 30 year fixed loans and adjustable-rate loans. Our loan specialists are only a phone call away. You can get your questions answered, and even apply for your loan, right over the phone or apply online. Once you've applied, you'll usually get a conditional credit decision within 48 hours.
To apply or for more information, call Loans-by Phone at 831-647-0101 or 888-632-8567.
Access My Real Estate Application
*Lender credit: up to $1,500 credit toward third-party closing costs and waiver of our usual $350 origination fee. All loans subject to credit approval. Owner-occupied 1-4 unit California residential property only. Maximum loan-to-value ratio 80%. First position liens only. First position refinances available from $25,000 - $1,200,000. Offer not available on mobile homes. Monterey Credit Union offers refinance and home equity loans. No home purchase loans. Property insurance required. Flood insurance may be required. Rates and program terms subject to change without notice. MCU employees, volunteers and immediate family members are not eligible. MCU complies with applicable state and federal tax reporting requirements. Ask for details.
