Mortgage - How Much Can I Afford?

St Cloud Federal Credit Union offers a variety of home mortgages for both purchase and refinance transactions.

Real Estate Mortgages

• Purchase Transactions
• Primary Residence
• Second Homes
• Investment Property
• Land Loans
• Construction Loans

If you are planning a real estate transaction,
St. Cloud Federal Credit Union can help you!

• Buying a lot and constructing a new home.
• Buying your first home or your last home.
• Buying a second home or an investment property.
• Refinancing to lower your payment or consolidate debt.

Our goal is to provide you with the best loan that meets your needs, saves you money, and makes your real estate financing experience as easy as possible.

Pre-Approvals

Find out how much of a mortgage you can obtain before you start looking at homes. We provide free pre-approvals -- based on income, debt, and credit -- so you know how much you can afford ahead of time.

Use our online calculators to help determine how much of a mortgage you can afford.

To Apply...

Option 1: Apply online now using our streamlined application process. You will also be able to view complete cost information beforehand.

Option 2: Prequalifications are available by contacting one of our Mortgage experts. Contact Jim, Jacey, or Lisa directly, or use the Mortgage Department's general contact information:

phone: (320) 258-2186
email: mortgage@stcloudfcu.coop

	Jim Arnold Mortgage Loan Officer (320) 258-2174 Toll-free: 1-888-252-2634 Fax: (320) 258-2171 Email: jarnold@stcloudfcu.coop
	Jacey Stocker Mortgage Loan Specialist (320) 258-2176 Toll-free: 1-888-252-2634 Fax: (320) 258-2171 jstocker@stcloudfcu.coop
	Lisa Schreifels Mortgage Loan Specialist (320) 258-2149 Toll-free: 1-888-252-2634 Fax: (320) 258-2171 lschreifels@stcloudfcu.coop

Mortgage Department general contact information:
(320) 258-2186, mortgage@stcloudfcu.coop

As an option, you can download a fillable and printable Form 1003 (Fannie Mae Form 1003/Freddie Mac Form 65 in PDF format). You can save this document after you fill it out, and your information is saved, too. Save the document frequently as you fill it out. Jim, Jacey, or Lisa will be happy to thoroughly discuss all the aspects of the loan process, to assure that you receive the financing that fits your needs.

Print the completed form and bring it along when you visit us about your loan. That way, you can fill out as much as you can in the comfort of home. Note: If you need to install Adobe Reader in order to view the PDF file, click here. (You will be leaving the credit union web site.)

If your own email option isn't working, send Jim, Jacey, or Lisa a message here.

Also Available
Fixed Rate Second Mortgages
Home Equity Line of Credit (HELOC)