Home Mortgage Loans

Central Minnesota's Mortgage Leader

Whatever your stage in life, we can help make that house your home. Our Mortgage Loan Department offers full-service, very competitive home loan rates and fees.

Our knowledgeable Mortgage Lenders will help you decide the best mortgage loan solution that best meets your needs. The team will help guide you through the entire process, from application to closing.

Top-Rated Mortgage Experience

Members love our mortgage lenders! We have received a 4.8 out of 5 star rating for the mortgage experience.

4.8 out of 5 star rating

Plus, CMCU is the #1 Mortgage Lender in Stearns and Todd County in Minnesota with the highest number of loan closings!

Buying A Home

Buy a home

Start here if you're thinking about purchasing your first or your next home.


Building A Home

Build a home

If you're thinking about building your next home, get started here.


Refinancing A Home

Refinance a home

When you're ready to refinance your home to take out money or lower your payment, start here.


Same-Day Mortgage Pre-qualification

Why is a mortgage pre-qualification important?

Know how much house you can afford

Know how much house you can afford.

It's important to know your price range when searching for a house. You could use an online mortgage calculator, but we recommend you get pre-qualified to have a better understanding of the loan amount that fits within your budget. CMCU can help you get pre-qualified in one business day.

Make an offer on a house

It's easier to make an offer on a house.

When you've found your next home, it's easier to make an offer because you're already pre-qualified. It also proves to the seller that your offer is the real deal. This saves precious time, especially when houses are selling quick.

Faster mortgage process

Faster mortgage loan processing time.

Once you've filled out much of the information in your pre-qualification application, CMCU can use that application to complete the full mortgage loan application. We'll probably need additional information, but it'll go by much faster.

Get pre-qualified in one business day with CMCU

Apply Now

Meet the Mortgage Team

At Central Minnesota Credit Union, our mortgage lenders, underwriters, and team members are all local to the Central Minnesota area. This means your mortgage loan can process quicker than typical banks who outsource their underwriting. And since our mortgage lenders are local to your area, you can meet with them however you want, over the phone, at a branch, or even through email.

Our team-based approach also ensures that the loan processing part is efficient and timely. Most loans close faster than the average mortgage loans at big banks.


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