Saint Michaels Federal Credit Union

Home Equity & Mortgages

We have the program for you!

home equity

Home Equity Loans and Lines of Credit

Enjoy the flexibility of a Home Equity Line of Credit or select a fixed rate and term with our Home Equity Loan! Home Equity Line of Credit – Convenient, flexible and easy to use.

  • Easy access with free checks provided
  • Low payment of interest
  • Click here for our rates
  • Affordable monthly payments.

**Members wishing to borrow between 81 and 90% of their homes value may incur a $100 nonrefundable appraisal fee. There is no fee charged to the member for a ride-by appraisal or up to 80% of the value of their home.

Fixed Rate and Term Home Equity Loan - Great for major purchases, consolidation and more!

You will be taken to a secure website to process your request.
See our Disclosures Here


SMFCU has a mortgage department dedicated exclusively to providing affordable loans for the purchase, refinance, or construction of your home. We can provide conventional and non-conforming mortgages, as well as construction loans and land loans.

With the wide and confusing variety of mortgage products now available to you, let our mortgage specialists tailor the proper mortgage loan to meet your individual needs and financial situation. (click here to see rates)

Available for pre-qualification!

Some features and benefits of SMFCU mortgage are:

  • Pre-approved mortgage loans
  • Fixed-rate and Variable-rate products
Click below to Apply for
Residential Mortgage Loans
or our
2nd Mortgage Loans