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Merced School Employees Federal Credit Union Homepage

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Real Estate Mortgages

Merced School Employees Federal Credit Union
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Feel at home with MSEFCU.

From first-time home buyers to refinancing and second mortgages, our experienced team will support you through the process. Come in, sit down and talk to us, or call us at 383-5550 x181.

First Mortgage

You want a home for life, not a loan for life!  We get it, that’s why we offer shorter terms.  Purchase or refinance with terms up to 20 years, low fees and up to 80% LTV.

30-Year Fixed Rate

Say goodbye to PMI*!  You can purchase up to 95% LTV or refinance up to 90% with NO Private Mortgage Insurance (PMI)*!  

*PMI=Private Mortgage Insurance payment varies depending on credit score, loan amount and LTV.

Second Mortgage

Borrow from the equity in your home to fund your dreams.  Home improvements, college tuition, whatever your needs are, we can help with a fixed rate and up to 15-year terms. 

Non-Owner Occupied 1st Mortgage

Ready to purchase your next investment property? Or maybe looking to refinance your existing non-owner occupied mortgage from another lender? We now offer MSEFCU Non-Owner Occupied Home Loans!

Home Equity Line of Credit (HELOC)

A more flexible way to borrow from your equity, a HELOC is a revolving credit line.  Use as little or as much as you need.  Minimum loan amount of $10,000 maximum loan amount of $100,000. 

Land and Lot Purchases

Start from the ground up with a loan to purchase property to build on.  Borrow up to 70% LTV with terms up to 15 years. 

SPECIAL NOTES: MSEFCU deed loans are available only on primary residential property located within 150 road miles from the Merced Main Office. Finance charges are calculated on simple interest with no prepayment penalties. Read the HELOC Program Disclosure.

Make an Appointment with a Real Estate Loan Officer

Life gets busy, so make the process of applying for a home loan quicker and schedule an appointment ahead of time. Click the button below to find out the different ways to make an appointment with a real estate loan officer.

Make an Appointment


Insurance Services

The credit union offers Credit Life and Credit Disability Insurances through MEMBER’S CHOICE® from CUNA Mutual Holding Company.  All the rates, all in one spot. More information on insurance services.

Free Annual Credit Report

Get a FREE credit report from all three credit reporting companies -  Equifax, Experian, and Transunion -  every year.  Visit to get yours.

Christina Dalmaso Lee Lao Tonya Gonzalez Toni Jones Lori Smith RayAnn Smith-Jarvis MSEFCU
NMLS #227589 NMLS #487324 NMLS #493900 NMLS #486643 NMLS #486257 NMLS #2183322 NMLS #477609

Equal Housing Lender.

We're Here For You!

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Are you almost ready for retirement? Or maybe you're trying to get a jump start on your future retirement. Let us help!
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Maintaining stability in your budget and personal finances can be difficult. Find out how our partner, BALANCE, can help make it easier for you to stay on top of your financial situation!
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Saving for the future? We’ve got tons of savings options available for you! Let us help you get started!