Small-towns, big dreams
Want to live in a rural area or smaller community? A USDA mortgage loan may be right for you.1
Low rates
Purchase or refinance with a lower interest rate compared to a conventional mortgage.
No down payment
Purchase sooner, with no-down-payment options.
Broad regions are eligible
Many regions qualify as Rural Development Areas for USDA loans.
Seller-paid closing costs
Get higher allowable seller credits, pay less at closing.
Lower income requirements
USDA loans make homes in rural areas more affordable for qualified borrowers.
Expert support
Our experts know their stuff! When you need guidance, count on us.
Calculate your monthly payment2
Monthly Payment
Affordable monthly payments
Often with lower interest rates than conventional loans, a USDA loan can make monthly payments more manageable.
Buy or refinance your home now
With no-down-payment options available, you can buy your next home sooner.
Trust is a top reason members choose Members Mortgage.
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1
Complete an application
Apply online, over the phone, in person, or through Video Banking.
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2
Get approved or pre-qualified
We’ll let you know if you’re approved or pre-qualified to refinance or purchase.
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3
Buy or refinance your home
Use the loan funds to buy a new home or refinance your current home.
Have questions? We're here to help!
Enjoy rural living
If you’re ready to purchase the home of your dreams, a USDA loan can offer lower rates without a large down payment.
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1 USDA loans are partially government-guaranteed mortgages that may be available to low and moderate income households and they are subject to USDA loan-specific eligibility requirements, limitations and restrictions.
2 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.Members Cooperative Credit Union lends to Minnesota and Wisconsin residents only and property used as mortgage security must be within the states of Minnesota and Wisconsin. Membership and loan approval required. Restrictions apply.
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.
Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.
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