Home Loans To Fund Your Dream Home

Home Loans With Ferguson FCU

Whether you’re buying your first home, upgrading to a larger space, or refinancing your current mortgage, Ferguson Federal Credit Union has home loan options tailored to fit your needs. With competitive rates and personalized service, we’re here to help you finance your future with confidence.

Explore Your Home Loan Options

At Ferguson FCU, we understand that every homeowner’s situation is unique. That’s why we offer a variety of home loan options to suit different needs and financial goals. Our team is committed to providing guidance and support throughout the loan process to help you make informed decisions.

Our home mortgage loans come with flexible terms and local service, making homeownership more accessible. Whether you're a first-time homebuyer or looking for an investment property, we offer a range of financing solutions, including:

• Fixed-Rate Mortgages: Lock in a stable monthly payment with an interest rate that remains the same for the life of your loan.

• Adjustable-Rate Mortgages (ARMs): Start with a lower initial rate that adjusts periodically based on market conditions.

• FHA & USDA Loans: Take advantage of government-backed options for first-time and rural homebuyers.

• Cash-Out Refinance: Access up to 90% of your home’s value for major expenses or debt consolidation.
  

Leverage the value of your home with a home equity loan from Ferguson FCU. Whether you’re renovating, consolidating debt, or funding a major purchase, this loan option provides a lump sum with fixed payments and competitive rates.

If you’re purchasing a new home but haven’t yet sold your current one, a bridge loan can provide short-term financing. Use the equity in your current home to cover the down payment on your next home and repay the loan once your existing property sells.

Looking to purchase land or a lot to build your dream home? Ferguson FCU offers land & lot loans so that you can finance the purchase of the property and then work with a builder to construct your new home!

Our land & lot loans allow you to purchase a lot or piece of land and stake your claim before considering construction. The benefit of this is that you can eliminate several unknowns that can come along when you build a new home.

For those looking to finance a mobile home, Ferguson FCU offers loans with flexible repayment terms and competitive rates. Whether purchasing new or used, we provide financing options to fit your budget.

Obtain Your Home Loan With Ferguson FCU

At Ferguson FCU, we know how daunting the home loan process can be, which is why we are dedicated to providing you with different mortgage lending services to make the process smooth and personalized! Our team is here to guide you through the process and find the best loan option that is right for you.

If you live, work, worship, attend school, or own a business in Amite, Copiah, Franklin, Jefferson, Jefferson Davis, Lawrence, Lincoln, Marion, Pike, Simpson, Walthall, or a portion of Rankin counties in Mississippi, you are eligible to become a member at Ferguson FCU! Become a member with us today to take advantage of our competitive rates and flexible terms.