Welcome Home

Welcome to Merced School Employees Federal Credit Union's mortgage loan center. We have partnered with CU Members Mortgage to give our members additional mortgage loan options with an easy online mortgage application, easy pre-qualification, custom rates and expert advice to guide you through the home loan process.

Whether you are purchasing a home or refinancing your current loan, applying online is as easy as 1-2-3.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for instant pre-qualification.
  3. A Loan Officer will follow up with you and answer all your questions.

Our goal is to provide the highest level of service at competitive rates.

Loan Officers are only a phone call away if you need help. Contact them at 877-474-4554, option 3.

Get Started - Apply Now

Today's Featured Rates

30 Year Fixed Rate
 Rate  APR  Points
 4.875%  5.116%  0.500%
 5.000%  5.197%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.892%  0.375%
 4.625%  4.961%  0.000%
5/1 Adjustable Rate
 Rate  APR  Points
 4.250%  5.168%  0.250%
 4.375%  5.193%  0.000%
30 Year Fixed Rate 97%
 Rate  APR  Points
 5.125%  5.358%  0.375%
 5.250%  5.450%  0.000%
15 Year Fixed Rate 97%
 Rate  APR  Points
 4.625%  5.038%  0.500%
 4.750%  5.126%  0.250%
FHA 30 Year Fixed Rate
 Rate  APR  Points
 4.875%  6.113%  0.375%
 5.000%  6.203%  0.000%
VA 30 Year Fixed
 Rate  APR  Points
 5.000%  5.442%  0.250%
 5.125%  5.558%  0.125%

Personalized Quote

Rates Quoted Above are Subject to a 1% Origination Fee.

Keep an eye on rates via email

Sign up to receive an email when rates reach your target rate or receive information about rates on a regular basis.

Calculators &
Frequently Asked Questions

Check out our helpful calculators to review your financial situation and learn more about home loans using the frequently asked questions.

Celebrating USDA loans for Rural America!

We're taking 100% financing to your small town. Ask us about USDA financing. Click here for more information about the program.

CU Home Advantage Program

Before you begin your search for a home, find out how you can take advantage of our rebate program–20% back in your pocket. Click here.

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Merced School Employees Federal Credit Union (NMLS#477609) provides mortgage loans in agreement with CU Members Mortgage, a division of Colonial Savings, F.A. NMLS#401285.