Mortgage Loans


Let us help you make the home of your dreams a reality. Whether you are buying a new home or refinancing your current residence, we have a mortgage plan to meet your needs. Mortgage loans are available to members for 1 to 4 family owner occupied homes.

- Great Rates
- Local Decision Makers
- Excellent Service
- Members Can Apply Online

MassHousing Mortgages

The MassHousing Mortgages offer competitive interest rates with low down payment options. This affordable loan from the state’s affordable housing bank is just right for first time homebuyers as well as those looking to move up or refinance. With its flexible underwriting and fixed rate financing, it’s the perfect mortgage loan for low and moderate income households*.

Please contact our Mortgage Department for more details.

* Subject to credit approval. Other restrictions may apply. Applicants are subject to complete underwriting based on program guidelines, not all applicants will qualify.

Conventional Fixed Rate Mortgages

- Various terms available
- Competitive closing costs

Adjustable Rate Mortgages (ARMs)

- Terms 30 years
- Rate will adjust at fixed intervals
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HARP (Home Affordable Refinance Program) 2.0

If your mortgage is UNDERWATER, you may now qualify to REFINANCE your home!
- Cut your monthly payments
- Lower your interest rate

Construction-to-Permanent Mortgages

- Fixed rates available
- Rate locked at time of application

Land Loans

- Variable Rate
- Term 15 years

Schedule your appointment today and you'll be home in no time.

Important Information

Mobile App and OneClick Bill Payer

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Need A Loan?

FALL RIVER MUNICIPAL CREDIT UNION Visit the FRMCU Smart Money Literacy Program