Prequalify for a Home Loan

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Prequalify for a Home Loan

Prequalify for a Home Loan

View our FAQs about refinancing your mortgage loan.

* Indicates required fields.

1. About the Loan

2. Type of Loan

3. About You

3. About Co-Borrower

4. Declarations

5. Equal Credit Opportunity

6. Submit

About the Loan

What is the purpose of the loan?*

What is your purchase/refinance time-frame?*

How do you plan to use the property?*

What is the type of property?*

Which MCU branch is preferred?*

Congratulations, you may qualify for a $700 discount on your closing costs for being a first time homebuyer!

Have you or the co-borrower owned a home in the last 3 years?*

Yes

Does the property of interest have a Missouri address?*

Yes

Are you a Missouri Credit Union member?*

Yes

Please provide your base account number.*

Type of Credit*

Sole Borrower

Co-Borrower

What type of loan?

What is the estimated sale price/value of the subject property?*

How much do you want to borrow?*

Borrowing amounts must meet the following requirements:

Minimum loan amount of $50,000.
Maximum loan amount of $640,700 (Jumbo Rate).
Up to 97% of sale price/property value of the above field.

Please contact the MCU Real Estate Loan Department for other loan options if criteria above cannot be met.

Where is the downpayment coming from?*

Visit our Home Loans page for more information about types of mortgage loans.

To see all rates, visit our Mortgage Rates page.

Select the type of loan.*

Are you the primary residence? If not, you must select a different loan type from the above field.*

Yes

Select loan option.*

Loan Type	Rate Type	Term	Interest Rate	APR¹	Pay/Month²
Conventional Fixed Rate - 10 year at 5.750	Fixed Rate	10 Year	5.750%	6.081%	---
Conventional Fixed Rate - 15 year at 5.750	Fixed Rate	15 Year	5.750%	5.985%	---
Conventional Fixed Rate - 20 year at 6.375	Fixed Rate	20 Year	6.375%	6.434%	---
Conventional Fixed Rate - 30 year at 6.125	Fixed Rate	30 Year	6.125%	6.169%	---
FHA Fixed Rate - 15 year at 5.750	Fixed Rate	15 Year	5.750%	5.985%	---
FHA Fixed Rate - 30 year at 6.375	Fixed Rate	30 Year	6.375%	6.516%	---
USDA Fixed Rate - 15 year at 5.750	Fixed Rate	15 Year	5.750%	5.985%	---
USDA Fixed Rate - 30 year at 6.375	Fixed Rate	30 Year	6.375%	6.516%	---
VA Fixed Rate - 15 year at 5.750	Fixed Rate	15 Year	5.750%	5.985%	---
VA Fixed Rate - 30 year at 6.375	Fixed Rate	30 Year	6.375%	6.516%	---

¹ APR and Monthly Payment Assumptions: APRs and monthly payments are calculated using a loan amount of $150,000. APRs include 15 days accrued interest; assume monthly repayment; maximum loan-to-value of 80%. Average closing costs are $1650. APRs, monthly payments, and closing costs may vary depending on the borrower's particular set of circumstances.

² Estimated Payment per Month Assumption: The calculations provided for each loan type are solely for informational purposes. The calculations are not intended to be relied upon as actual loan computations. Results depend on many factors, including the information you provide, and we do not guarantee their applicability or accuracy regarding your individual circumstances. This calculation is not an offer and does not describe any particular products and services.

Do you have one or more mortgage loans on the subject property?*

Yes

First mortgage balance.*

Second mortgage balance - Optional

About You

Title*

Preferred Title*

First Name*

Middle Initial - Optional

Last Name*

Suffix - Optional

What is your date of birth?*

How many years of education have you completed?*

What is your marital status?*

Do you have any dependents?*

Yes

What is the number of dependents you have?*

Please list the ages of your dependencies? Dependent ages must range between 1-26. Please follow the format of: 1, 15, 23.*

Address Information

Current Mailing Address*

City*

State*

Zip Code*

Do you rent or own?*

Rent

Own

How much was your payment for rent?*

Please provide a valid dollar amount.

Do you live at your current mailing address?*

Yes

Physical Address Information

Current Physical Address*

City*

State*

Zip Code*

How long have you lived at this property?*

Month*

Year *

Previous Address Information

Please provide previous address information since you have lived at your current address less than two years.

Previous Physical Address*

Previous City*

Previous State*

Previous Zip Code*

From what dates did you live at your previous address?*

Move in date?*

Move out date?*

Other Real Estate

Do you currently own any other real estate?*

Yes

Real Estate Address*

Bank*

Loan Amount*

Loan Number*

Military Information

Select current military status.*

No Status

National Guard

On Active Duty

Reservist

Veteran

Surviving Spouse

When is your expiration of service date?*

Which branch of the military?*

Other names(s) served under: - Optional

Employment Information

Current employer*

Current Job Title*

What is your gross annual income?*

How long have you worked at your current employer?*

Month*

Year *

Previous Employment Information

Please provide previous employment information since you have worked at your current employer less than two years.

Who was your previous employer?*

How many years did you work there?*

What was your job title?*

How many years have you been in this profession?*

From what dates did you work at your previous employment?*

Start date?*

Leave date?*

Contact Information

Email address*

Phone number*

How would you prefer we contact you?* By email

By phone

Best time to contact you by phone?*

About Your Co-Borrower

Title*

Preferred Title*

First Name*

Middle Initial - Optional

Last Name*

Suffix - Optional

What is their date of birth?*

How many years of education have they completed?*

What is your marital status?*

Co-Borrower Address Information

Current Mailing Address*

City*

State*

Zip Code*

Do they rent or own?*

Rent

Own

How much was your payment for rent?*

Please provide a valid dollar amount.

Is their mailing address also their physical address?*

Yes

Co-Borrower Physical Address Information

Co-Borrower Current Physical Address*

City*

State*

Zip Code*

How long have you lived at your current property?*

Month*

Year *

Co-Borrower Previous Address Information

Please provide previous address information since you have lived at your current address less than two years.

Previous Physical Address*

Previous City*

Previous State*

Previous Zip Code*

From what dates did you live at your previous address?*

Move in date?*

Move out date?*

Co-Borrower Military Information

Select current military status.*

No Status

National Guard

On Active Duty

Reservist

Veteran

Surviving Spouse

When is your expiration of service date?*

Which branch of the military?*

Other names(s) served under: - Optional

Co-Borrower Employment Information

Current employer*

Current Job Title*

What is their gross annual income?*

How long have you worked at your current employer?*

Month*

Year *

Co-Borrower Previous Employment Information

Please provide previous employment information since you have worked at your current employer less than two years.

Who was their previous employer?*

How long did they work there?*

What was their job title?*

How many years have they been in this profession?*

From what dates did you worked at your previous employer?*

Start date?*

Leave date?*

Co-Borrower Contact Information

Co-Borrower borrower email address.*

Co-Borrower phone number.*

Declarations for the Borrower

Are you a U.S. citizen?*

Yes

Are you a permanent resident alien?*

Yes

Will you occupy the property as your primary residence?*

Yes

Have you had an ownership interest in a property in the last three years?*

Yes

What type of property did you own?*

Principal Residence

Second Home

Investment Property

How did you hold title to the home?*

By yourself

Jointly with your spouse

Jointly with another person

If this is a Purchase Transaction: Do you have a family relationship or business affiliation with seller of the property?*

Yes

Are you borrowing money for this real estate transaction or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this application?*

Yes

What is the amount of money from the other?*

Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application?*

Yes

Have you or will you be applying for any new credit on or before closing this loan that is not disclosed on this application?*

Yes

Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes?*

Yes

Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?*

Yes

Are there any outstanding judgements against you?*

Yes

Are you currently delinquent or in default on a federal debt?*

Yes

Are you a party to a lawsuit in which you potentially have any personal financial liability?*

Yes

Is any part of the down payment borrowed?*

Yes

Have you conveyed title to any property in lieu of foreclosure in the past 7 years?*

Yes

Within the past 7 years, have you completed a pre-foreclosed sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due?*

Yes

Have you had property foreclosed upon in the last 7 years?*

Yes

Have you declared bankruptcy within the past 7 years?*

Yes

Identify the type(s) of bankruptcy:*

Chapter 7

Chapter 11

Chapter 12

Chapter 13

Declarations for Co-Borrower

Are they a U.S. citizen?*

Yes

Are they a permanent resident alien?*

Yes

Will you occupy the property as your primary residence?*

Yes

Have you had an ownership interest in a property in the last three years?*

Yes

What type of property did you own?*

Principal Residence

Second Home

Investment Property

How did you hold title to the home?*

By yourself

Jointly with your spouse

Jointly with another person

If this is a Purchase Transaction: Do you have a family relationship or business affiliation with seller of the property?*

Yes

Are you borrowing money for this real estate transaction or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this application?*

Yes

What is the amount of money from the other?*

Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application?*

Yes

Have you or will you be applying for any new credit on or before closing this loan that is not disclosed on this application?*

Yes

Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes?*

Yes

Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?*

Yes

Are there any outstanding judgements against you?*

Yes

Are you currently delinquent or in default on a federal debt?*

Yes

Are you a party to a lawsuit in which you potentially have any personal financial liability?*

Yes

Is any part of the down payment borrowed?*

Yes

Have you conveyed title to any property in lieu of foreclosure in the past 7 years?*

Yes

Have you had property foreclosed upon in the last 7 years?*

Yes

Have you declared bankruptcy within the past 7 years?*

Yes

Identify the type(s) of bankruptcy:*

Chapter 7

Chapter 11

Chapter 12

Chapter 13

Information for Government Monitoring Purposes

The following is required by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation and surname if you have made this application in person. If you do not wish to furnish this information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied for.)

Borrower

I do wish to to furnish this information.*

Agree

Decline

Ethnicity - Optional

Hispanic or Latino

Not Hispanic or Latino

Race - Optional

American Indian or Alaskan Native

Asian

Black or African American

Native Hawaiian or other Pacific Islander

White

Sex - Optional

Female

Male

Co-Borrower

I do wish to to furnish this information.*

Agree

Decline

Ethnicity - Optional

Hispanic or Latino

Not Hispanic or Latino

Race - Optional

American Indian or Alaskan Native

Asian

Black or African American

Native Hawaiian or other Pacific Islander

White

Sex - Optional

Female

Male

Agreements

Credit Consent

Do you consent to a credit check? If so, you authorize Missouri Credit Union to obtain a credit report. At this point, you are only requesting a pre-qualification and have not yet applied for a loan.

I authorize MCU to obtain a credit report as part of the pre-qualification process.*

Yes

In order to obtain a credit report, we need your Social Security Number*

Joint Social Security Number

Verification

Please check the box below to prove that you are a human.

Disclosure

Click the link below to view our terms and conditions. Review the information and click the checkbox to acknowledge your agreement.

I agree to Missouri Credit Union's terms & conditions.*

General Inquiry

How did you hear about us?*

Comments (limit 100 characters) - Optional

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Prequalify for a Home Loan