Mortgage Loans

Terms up to 30 Years

Smooth Application & Closing Process

Multiple Programs To Fit Your Needs

 

First Mortgage

Fixed Rate

RATE:  3.00% APR Fixed

TERM: 15 yr, 30 yr or 40/30 Balloon

LIMIT: Up to $450,000.00 | 80% LTV

LIMIT:

Sample Rates

15 Years

3.00 %

APR∗

$172.66

Price per $25k

30 Years

3.50 %

APR∗

$112.29

Price per $25k

40 Years

3.50 %

APR∗ | 40/30 Balloon

$96.89

Price per $25k

Adjustable Rate

RATE:  2.95% APR | 7/1 ARM

TERM: 15 yr, 30 yr or 40/30 Balloon

LIMIT: Up to $700,000.00 (2 Family) | 80% LTV

LIMIT: Up to $540,000.00 (1 Family) | 80% LTV

Sample Rates

15 Years

2.95 %

APR∗

$172.08

Price per $25k

30 Years

2.95 %

APR∗

$104.76

Price per $25k

40 Years

2.95 %

APR∗ | 40/30 Balloon

$88.81

Price per $25k

Home Equity Loan

RATE:  3.00% APR Fixed

TERM: 30/10 or 40/10 Balloon

TERM: No Prepayment Penalties After 1st year

LIMIT: Up to $425,000.00 | 65% LTV

Sample Rates

30/10 Balloon

3.00 %

APR∗

$42.17

Price Per $10,000.00

40/10 Balloon

3.00 %

APR∗

$35.81

Price Per $10,000.00

Fix & Flip Investor

RATE:  9.99% APR

TERM: 18 Month | Interest Only Payments

LIMIT: Up to $300,000.00 | 50% LTV

LIMIT: Kings, Queens, Nassau or Suffolk Counties | Non-Owner Occupied

LIMIT: 1-4 Family Residential | Personally Guaranteed

Sample Rates

$50,000.00 

9.99 %

APR∗

$416.25

18 Months Interest Only

$100,000.00

9.99 %

APR∗

$832.50

18 Months Interest Only

$300,000.00

9.99 %

APR∗

$2497.50

18 Months Interest Only

Interested in Learning More?

CONTACT US

LOCATIONS
LOCATIONS

MRFCU's Main Office is Located at:

346 Sunrise Highway
West Babylon NY 11704

 

For nationwide convenient access, find a location closer to you!
SHARED-BRANCH    |    ATMs

EMAIL US
EMAIL US

Support Email Address:

creditunion@mrfcu.com

 

Secure Email Platform:

CLICK HERE

CALL US
CALL US

Main Office:

1-833-67-METRO

1-833-676-3876

 

After Hours Debit Card Support:

1-888-241-2510

Click to Learn More:

Auto Loans

MRFCU offers a range of Automobile Loans:

  1. New & Used Purchase
  2. Private or Dealer Sales
  3. Lease Buyout & Refinances
  4. Equity Cash-Outs

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Auto Loans
Personal Loans

MRFCU Whether for Vacation, Home Improvement, or Bills, our flexible personal loan program is perfect to get you the funds you need.

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Personal Loans
Debt Consolidation

Save yourself the hassle and interest payments, consolidate your high interest cards and debts into one lower-interest easy-to-manage debt consolidation loan.

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Debt Consolidation
Mortgages

Our In-House mortgage programs provide you with a diverse options of home lending, from 1st Mortgages of up to 40 year terms, home equity loans, and short term investor mortgages.

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Mortgage Loans
Student Loans

In partnership with SallieMae, MRFCU is now offering Student-Loans. Find the best option for you!

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Student Loans
Boat Loans

We are happy to offer loans for Boats and Recreational Vehicles to our members! Let us help you enjoy yourself!

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Boats & RVs