Home & Real Estate Loans at Bragg Mutual FCU

At Bragg Mutual FCU, we offer straightforward lending solutions with competitive rates, flexible terms, and personalized service.

Whether you’re buying, refinancing, or tapping into your home’s equity, we’re here to help.

BMFCU Mortgages

From first-time buyers to seasoned homeowners, Bragg Mutual offers a range of mortgage options designed to fit your needs and your budget. Our team offers honest guidance, in-house processing, and fast decisions to help you get into your next home with confidence.

Already have a mortgage or home loan elsewhere? Let us take a look. You could save with a better rate or lower monthly payment.

Mortgage Options at BMFCU

We offer a variety of mortgage types, including some Government-Backed Options.

Choose the structure that works best for your long-term goals, with terms available up to 30 years.

Mortgage Features:

First-Time Program Features:

Mortgages with loan-to-value (LTV) ratios of 90% or higher may require Private Mortgage Insurance (PMI).

Visit BMFCU’s Online Mortgage Center to Get Started

Ready to check mortgage rates at Bragg Mutual, explore your refinancing options, or start the application process on your next home?

Head to our Online Mortgage Center now for all BMFCU Mortgage resources.

Home Equity Loans & HELOCs at Bragg Mutual

Need extra funds for home improvements, college tuition, or consolidating debt? Use the equity in your home to your advantage with a Home Equity Loan or a Home Equity Line of Credit (HELOC) from Bragg Mutual FCU.

Home Equity Features:

Home Equity Loan vs. HELOC

A Home Equity Loan is an easy and convenient way to borrow utilizing the equity in your home. This borrowing power can be used to pay bills, make home improvements, pay for education, or make cash available for any purchase.

Home Equity Loan

A Home Equity Loan gives you a one-time lump sum with fixed monthly payments. It’s a great option for large, planned expenses such as tuition, renovations, or debt consolidation.

Home Equity Line of Credit (HELOC)

A HELOC provides ongoing access to funds with variable payments based on your usage. Use it as needed for ongoing expenses like home repairs or personal projects—and only pay interest on the amount you use.

We’re Ready to Answer Your Questions

Didn’t see the information you’re looking for or have additional questions? Bragg Mutual is ready to help answer your questions and provide the info you need.

*All loans subject to credit approval. Full insurance coverage is required. Restrictions may apply based on property and loan terms. Equal Housing Lender.

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