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How to Get a Loan

Once you select us to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money.

Throughout the loan application process, we provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.

Here's an overview of the loan-application process:

STEP ONE -- Apply Now! Getting started is easy.

It is very important to get pre-qualified. By doing this at an early stage, you'll be aware of the loan programs that are available, their respective down payment requirements, the estimated closing costs and the monthly mortgage payment you can expect.  

When you've selected a property and have a contract with the seller, the next step is to contact us to finish your loan application and sign your preliminary disclosures. You can complete your loan application right from our website. To get started, select an application from the list on the left.

At the appropriate time we'll order a property appraisal for you.

STEP TWO -- Your Loan is Approved and Funded

Your real estate agent or the seller will designate an escrow/title company to handle the funding of your loan, along with many other factors, which will help make your purchase go smoothly.

We will coordinate with the title company selected and you'll sign the final papers at their office.

It's simple, straightforward, cost effective, and FAST!

Apply Now
Select a loan application:


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Members Cooperative Credit Union NMLS #472394
PO Box 161557, Duluth, MN  55816
Direct:  (218) 625-8580
Toll Free:  (800) 296-8871
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