At South Metro Federal Credit Union, we provide solutions for your dreams. We offer a variety of Mortgage loans with competitive rates to make your dreams reality.

Best of all, we’ve got friendly staff in-office and lots of resources online to make whole process easy by anyone’s definition. Please call of visit one of our locations, or just scroll down for more information.

Benefits of a Mortgage from SMFCU

  • Apply online or get personal assistance
    Apply for a mortgage online or contact 952-445-0888
  • Close on your mortgage faster than ever
    We can get your mortgage approved in minutes, rather than days or weeks!
  • Free pre-approvals
    We offer free pre-approvals, so you can shop for your home knowing that you can afford the mortgage.
  • Variety of loan programs available. Need help choosing the right one?
    We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program on the site and a Mortgage Originator is always just a call or e-mail away!

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Rate Watch


Sign up to have rates e-mailed to you. You may choose to have rates e-mailed to you when they reach your desired rate, or on a regular basis.

Mortgage Calculators


Whether you are considering purchasing a new home or deciding if it is the right time to refinance, use our calculators to help you make your decision.

Loan Officer Search

Housing Loans

Call 952-445-0888 and select Menu Option 3 to speak to a Mortgage Specialist for rates based on your scenario.

For more information call
952-445-0888 and speak to a loan officer

Today's Rates

1st Mortgage 30 Year Fixed Rate
 Rate  APR  Points
 3.740%  3.876%  0.000%
Home Equity
Home Equity 15 Year Fixed
 Rate  APR  Points
 4.740%  4.794%  0.000%
HELOC 10 Year Draw Period
 Rate  APR  Points
 4.750%  4.750%  0.000%

Get there. Start here.

Equal Housing Lender    NCUA Insurance     Excess Share Insurance

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