Skip nav to main content.
Recreational Property Loans

More fun per acre

With competitive rates and low down payment options, your sweet escape is within reach.

BloomCU-MCCU-Icons-100x100-56-Orange

Competitive rates

Great rates make payments more affordable, for purchase or refinance!

icon

Expert local support

A high-success, low-stress experience from origination through the life of your loan.

BloomCU-MCCU-Icons-100x100-59-Orange

Option for unique homes

Buy a home without conventional electricity, heat, water, septic or bathroom.

BloomCU-MCCU-Icons-100x100-45-Orange

Unique financing

Purchase or refinance a hunting shack, pole building, and more!

icon

Low down payment

You may not need 20% down, making it easier to buy now.

icon

Friendly service

Visit us at a branch, by phone, or online for friendly member service.

Calculate your monthly payment

Monthly Payment

Amount
$
Rate
%
Months
Low Down Payment

Buy and enjoy sooner

You may qualify for a low down payment option that helps you seal the deal sooner.

Family selfie in front of a cabin in the snow
Great for Unique Properties

Get away, your way

Purchase or refinance a property you can't buy with a traditional mortgage, like buildings without:

• Electricity
• Heat (year-round)
• Water
• Septic
• Kitchen
• Bathrooms

Whether it's a pole barn, garage, or off-grid cabin, get the property you want.

Dad holding his young daughter in front of their cabin

Trust is a top reason members choose Members Mortgage.

— 2023 Mortgage Processing Survey

How it works

It's easy to get recreational property loan.

  • 1

    Complete an application

    Apply online, over the phone, in person or through video banking.

  • 2

    Get approved or pre-qualified

    We'll let you know if you're approved or pre-qualified.

  • 3

    Close on your loan

    Use the loan funds to purchase or refinance your recreational property.

Apply now

Have questions? We're here to help!

BloomCU-MCCU-Icons-100x100-Appointment-Orange

Schedule an appointment

 

Schedule now

BloomCU-MCCU-Icons-100x100-MeetVirtually-Orange

Meet virtually

 

Video Banking

BloomCU-MCCU-Icons-100x100-Call-Orange

Give us a call

 

Call 218-625-8580

Life’s short— play hard

 

Ready to get away from it all? Our competitive rates and low down payment options make it easy to get the property of your dreams.

 

Apply now

  • *MCCU lends to Minnesota and Wisconsin residents only and property used for mortgage security must be within the states of Minnesota and Wisconsin. Membership and loan approval is required.

    Home Mortgage Disclosure Act Notice

    The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at any branch office regarding the locations where HMDA data may be inspected.

Video Banking