Work with Local Mortgage Experts
Home is where life happens. It’s where you unwind, gather with the people you love, and build memories that last. It’s also one of the biggest financial decisions you’ll ever make, which is why choosing the right home loan or mortgage matters.
Whether you’re a first-time homebuyer, looking to refinance your mortgage, or purchasing your forever home, MyUSA Credit Union is here to help. With a simple online application and experienced local lenders ready to guide you, getting started on your home loan is easier than you think.
Step 1:
Apply
Apply with what works best for you – online, over the phone with a licensed loan officer, or in person. We’ll keep it simple with property info, income and assets, and your current loan details if you’re refinancing.
Step 2:
Pre-Approval
A licensed loan officer will review your application to determine pre-approval. Once that’s complete, you can compare loan programs, rates, and terms to move forward with confidence.
Step 3:
Locking Your Rates
Let’s get locking! Rate locks usually last 30–60 days – enough time to get you to closing. You’ll first review a Loan Estimate, which breaks down estimated costs, fees, interest rate, and loan terms before anything is locked in.
Step 4:
Sign + Close
Most loans close in about 22 days from the time you sign your Loan Estimate. Every loan is different, so timing can vary. Once our underwriter gives the green light, we’ll schedule your closing and see you at the table!
