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Your credit union is a full-service mortgage lender, providing first and second mortgages, FHA, VA , secondary market financing, home improvement loans, home equity loans, lines of credit and more. 


If you are a first-time home buyer, talk with one of our staff to become familiar with the home loan process!

Start the Mortgage Process

Our Home Loan Experts

You have questions? We have answers!

Contact an MMFCU Home Loan Consultant today at your local branch or by email to answer your purchase, refinance and construction loan questions:

Image of our Detroit Lakes and Ada Home Loan Consultant Brady Hersch

Brady Hersch

Ada &
Detroit Lakes Area

(218) 325-6537

Apply Now

Ginger House, Home Loan Consultant Brainerd Lakes Area

Ginger House

Brainerd Lakes &
Pequot Lakes Area

(218) 822-5120
Heather Brill, Home Loan Consultant, Little Falls and Staples

Heather Brill

Little Falls, Staples &
Wadena Area

(320) 639-2142

Philip Zimpel, Home Loan Consultant Alexandria Office

Philip Zimpel

Alexandria &
Surrounding Area

(320) 460-7489
Veronica Franzen, Home Loan Consultant, Brainerd Lakes Area, Aitkin, Crosby

Veronica Franzen

Brainerd Lakes &
Crosby/Aitkin Area

(218) 822-5124


Online Home Loan Center

Our Online Home Loan Center provides you with the tools to apply for a home loan online, calculate various scenarios and learn more about financing options.


Conventional Home Loans

Looking for a traditional mortgage? Mid Minnesota has you covered. Try one of our conventional mortgage options today! With flexible term options of 10, 15, 20 or 30 years, combined with competitive interest rates and local home loan servicing, we have just what you need! Talk with a Mid Minnesota Home Loan Consultant today! .

HomeReady® Mortgage Loans

You may be eligible to buy a home sooner than you thought with a HomeReady® mortgage loan- with only 3% down and closing costs that can be funded with help of others. Talk with a Mid Minnesota Home Loan Consultant today or click for additional information on HomeReady®.

Federal Housing Administration (FHA) Loan

If you are looking for a lower down payment mortgage, the FHA loan may be right for you. Mid Minnesota mortgage team will be there to discuss your options and eligibility. Contact one of our Home Loan consultants to see if you qualify for a FHA loan.

Veteran Administration (VA) Loan

Mid Minnesota is proud to offer VA loans to eligible service members and their families to purchase a new home or refinance a current one. 

Rural Development Loan Program

Short on your down payment? MMFCU may be able to help… The Rural Development loan program provides home ownership opportunities to low-and-moderate income individuals and families living in rural areas. With this program, loans may be made up to 100 percent of the appraised value! For more information on this program or to see if you qualify, contact one of our Home Loan experts Brady Hersch, Ginger House, Heather Brill, Philip Zimpel and Veronica Franzen

Construction Loans

Thinking about building a home? Start with a good foundation! Mid Minnesota can help with land and construction loans to fit your project. Now is a great time to build the home you've always wanted. Couple that with our great rates and you've got yourself the foundation for making your dream a reality. 


Mid Minnesota Construction Loans also offer...

An explanation of the types of Construction Loans available, as well as professional assistance in helping choose the one that is best for you – whether you are planning to build your first home or a vacation home!

  • Flexible terms to suit your needs
  • Competitive interest rates, both while you build and when the home is complete
  • One-time closing costs, saving you thousands of dollars
  • No penalties on early pay off
  • Interest rate protection throughout the construction process with the final rate modified upon completion of the home
  • Financing for up to 90 percent of the value

Additional Options

Want to take advantage of your home’s equity to make some improvements, pay some bills or take a vacation? Learn more about our home equity options and which one would be a match for your financial lifestyle. You can also visit with any of our loan staff for information on improvement and equity loans!

Your credit union is an equal housing lender.