Mutual Savings

Mutual Savings Credit Union

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Market Icon 2040 Valleydale Rd Birmingham (Alabama) Phone Icon CALL US +1(205)682-1100

Real Estate Loans

How to Join

Step 1

CHECK YOUR ELIGIBILITY

To join, you must live, work, worship or attend school within our 13 counties. Or be employed by a Mutual Savings Sponsor Group.

Step 2

Apply

Our online application process uses a third party service. Please note that Mutual Savings Credit Union has no control over the accuracy of the information, nor the security of the site you are about to visit and makes no warranty thereof.

If you do not wish to use the third party application process we will be happy to call you and take your application over the phone. Alternatively please visit your nearest branch.

Apply Online

Call Back Request

Different stages of life call for different real estate lending needs and Mutual Savings Credit Union has you covered. Whether you need a second mortgage or a home equity line of credit for large purchases or home projects, talk to your credit union first. Mutual Savings offers a wide range of real estate loans that will help you purchase, refinance or improve your dream home.

First Mortgage Real Estate Loans

  • 30-year variable rates with 7, 5, 3, and 1 ARMs
  • 15-year variable rates with 7, 5, 3, and 1 ARMs
  • Loan to Value 90%, no PMI
  • 10 year, fixed-rate amortization
  • 15 year, fixed-rate amortization

Second Mortgage Real Estate Loans

  • 30-year amortization with 5-year balloon
  • Loan to Value 90%, no PMI

Additional Loans

  • Home Equity Line of Credit
  • Land and Investment Loans
  • Residential Lot Loans

View the HELOC disclosures for more information.

Visit the Mutual Savings Credit Union loan rates page for our current real estate loan rates. Contact Mutual Savings to speak with our Real Estate Lending Department.