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First Mortgages

First Mortgages

Owning a home is part of the American dream. With SMW FCU, you can concentrate on the exciting part, because we have you covered on the mortgage and closing process. As a trusted hometown lender, we not only know the Minnesota market inside and out, but we provide the close, personalized attention you not only want—you deserve.

Smooth mortgage process from your trusted hometown lender.

Summary
  • Free pre-approvals for enhanced buying power
  • Competitive rates
  • Local decision-making
  • Personalized service
  • Efficient, on-time closing

We offer a full range of mortgage options and take the time to tailor a mortgage that best fits your needs. Among the options available to you are:

  • Fixed-rate mortgages
  • Adjustable rate mortgages (ARMs)
  • Construction loans
  • Bridge loans/blanket mortgages
  • Second mortgages
  • Lot loans
  • Investment properties
  • Second home
  • Home equity loans
Rate Watch

SMW FCU can keep an eye on interest rates so you don't have to. You can identify a specific rate, and we'll notify you when rates reach your goal. Or we can email you current rate information on a regular ongoing basis.

Sign up for rate watch now.

Mortgage Relief

Mortgage Relief Options for struggling Homeowners

On March 4, 2009, the Obama Administration unveiled the Making Home Affordable program, a key component of the Homeowner Affordability and Stability Plan (HASP). The program's two-pillared approach (the Make Home Affordable Modification program and Make Home Affordable Refinance options for Fannie Mae loans) aims to help millions of distressed homeowners either restructure or refinance their mortgages to avoid foreclosure.

Contact SMW FCU TODAY to see if you are eligible for one of these programs!