In observation of Memorial Day, all CMCU branches will be closed on Monday, May 29.
Normal business hours will resume on Tuesday, May 30.

Mortgage Loans

Make that house your home

Whatever your stage in life, we can help make that house your home. Our Mortgage Loan Department offers full-service and very competitive home loan rates. Our knowledgeable Mortgage Lenders will help you decide the best loan solution that best meets your needs. The team will help guide you through the entire process, from application to closing. Check out some of the loan options we offer...

Adjustable Rate Mortgages
With an Adjustable Rate Mortgage (ARM), borrowers can have a lower payment in the beginning of the loan term due to an introductory interest rate. The interest rate adjusts annually after the initial period which may fluctuate payment amounts. The set period of time for the introductory interest rate are decided upon by the borrower and lender together. An ARM loan may be beneficial to you if you plan on staying in your house for only a short period of time or if you expect your income to increase in the future. CMCU offers a variety of ARM options, talk to your local CMCU mortgage lender to see if this option fits your homeownership dream.
Fixed Rate Mortgage
Rural Development
Home Equity Loan
Home Equity Line of Credit (HELOC)
Federal Housing Administration Loan (FHA)
Land and Construction Loans
Veterans Affairs (VA)
HomeReady® by Fannie Mae

Mortgage Center

Learn more about our mortgage rates, use online calculators or apply for a home loan!
Mortgage Center
Mortgage Calculator
Current Rates
Pre-qualify application
Mortgage Application

Mortgage Officers

Contact your local Mortgage lender today to get started on your home goals! Call Toll-Free: (888)330-8482 and use the extension listed.


Doug Welle
Originator #510144

Branch Locations:
  • Melrose
  • Freeport
  • Grey Eagle
Phone: (888) 330-8482 ext. 1104
dougw@mycmcu.org

Melissa Gerads
Originator #709752

Branch Locations:
  • Albany
  • Cold Spring
  • Holdingford
Phone: (888) 330-8482 ext. 1204
melissag@mycmcu.org

Jane Welle
Originator #507290

Branch Locations:
  • Paynesville
  • Belgrade
Phone: (888) 330-8482 ext. 1573
janew@mycmcu.org

Sheri Lemke
Originator #786870

Branch Locations:
  • Sauk Centre
  • Moorhead
Phone: (888) 330-8482 ext. 1605
sheril@mycmcu.org

Peggy Donabauer
Originator #770800

Branch Locations:
  • St. Joseph
  • Avon
Phone: (888) 330-8482 ext. 1717
peggyd@mycmcu.org

Daniel Beach
Originator #709758

Branch Locations:
  • Long Prairie
  • Little Falls
  • Grey Eagle
Phone: (888) 330-8482 ext. 1904
danielb@mycmcu.org

Christina Simons
Originator #1065821

Branch Locations:
  • Wadena
  • New York Mills
  • Perham
Phone: (888) 330-8482 ext. 2610
christis@mycmcu.org
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