1st Mortgages

1st Mortgage Applications **



Home Free Mortgage - Low Fixed rate, shorter-term program designed to help you pay your mortgage off sooner.

This mortgage loan option allows:

  • 10 year term
  • Up to 85% LTV
  • No prepayment penalty
  • Lender Paid Credit Up to $2,500 towards closing costs*
  • Refinance or purchase
  • Automatic payment options
  • Loan to stay with KFCU and will not be sold

Keesler Adjustable Rate Mortgage - Low rate adjustable rate mortgage program, with low caps on rates, adjusting only every 5 years.

This mortgage loan option allows:

  • Rates may adjust only every 5 years up or down and uses a less volatile index than other adjustable rate loans to minimize payment fluctuations
  • Terms up to 30 years
  • Up to 95% LTV
  • No prepayment penalty
  • Lender Paid Credit Up to $2,500 towards closing costs*
  • Refinance or purchase
  • Automatic payment options
  • Loan to stay with KFCU and will not be sold
The interest rate can go as low as the floor rate of 2.99%.


Click here for more information on Keesler Federal's 5/5 ARM.

FHA Mortgage - Federal Housing Administration loans are designed for low to moderate home purchases. FHA loans offer:
  • Small down payment (usually 3.5%) required on purchases
  • Down payment funds can be a gift from a family member
  • Fixed interest rate
  • Terms up to 30 years
  • Purchase or Refinance
VA Mortgage - Veteran’s Administration loans allow eligible Veterans and Active Duty Military personnel the opportunity to finance the purchase of a home or refinance their existing mortgage.
VA loans offer:
  • No down payment required
  • Fixed interest rate
  • Terms up to 30 years
  • Up to 100% LTV and can include funding fee if required
  • Purchase or Refinance
  • No monthly mortgage insurance
USDA Mortgage - The USDA program is a 100% financing program for qualifying properties and competitive rates for qualifying individuals in rural communities.
USDA loans offer:
  • No down payment required
  • Fixed interest rate
  • 30 years
  • Up to 102% of appraised value to include 2% funding fee
  • Seller can contribute up to 6% in closing costs and pre-paids
  • Purchase or Refinance
Home Calculators - How much home can you afford? Find out here!

For more information about mortgage loan products call 1-888-KEESLER (533-7537) and speak to a mortgage loan representative.

To send notices of error or to request information, please click here .

*Lender credit towards closing costs include appraisal, tax service fee, title fee, lender title insurance, credit report fee, flood certification fee, and recording fees. It does not include escrows, interest, home owner’s insurance, flood insurance, property taxes or owner’s title insurance.

** Mortgage Payment Example: On a $100,000 loan, with a 3.75% APR, monthly payments are approximately 463.12 per month for 360 months. Taxes and insurance not included, therefore actual payment obligation will be greater. Actual rate may vary based on credit history. Credit eligibility required.