Home Financing

Home Loans from Keesler Federal

Keesler Federal offers home loan options to help you buy, refinance, or build a home. Our mortgage specialists guide you through each step, from prequalification to closing. Explore loan options designed to fit your homeownership goals.

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Account Overview

What Are Home Loans?

Home loans from Keesler Federal help members buy, refinance, or build a home with financing designed to fit different homeownership goals.

Mortgage options for buying a primary residence or second home
Refinance options to adjust your rate or loan term
Home equity loans to borrow against your home’s value
Construction and land loans for building a home
Competitive rates and flexible loan terms
Guidance from Keesler Federal mortgage specialists

Explore Loan Options

Home Loan Options

Keesler Federal offers several home loan options depending on how you plan to use your property.

Purchase loans for buying a home
Refinance loans to adjust your rate or term
Home equity loans to borrow against your home
Construction loans for building a home
Programs for first-time buyers
VA loans for eligible service members

Compare Home Loan Options

Two people meeting with a financial adviser.

Choose the Right Home Loan

Keesler Federal offers home loan options for buying, refinancing, building, or using your home’s equity. You can also explore programs designed for first-time buyers, veterans, and borrowers who qualify for FHA or USDA mortgages.

Home Purchase Loans

Keesler Federal offers mortgage options to help you purchase a primary residence or second home. Work with a mortgage specialist to explore loan terms and rates that fit your homeownership plans.

Get Prequalified

First-Time Home Buyer Program

Keesler Federal offers a First-Time Home Buyer Program for members who are ready to take the next step toward homeownership. The program includes:

100% fixed-rate financing
20 to 30-year terms
Min credit score is 660
Min loan amount is $50,000
No income or geographic restrictions
Guidance from mortgage specialists during the process.

Speak to a Mortgage Loan Specialist at 228-385-5597 or at 1-888-533-7537 ext 8720.

Single family primary residences only. Includes one unit townhomes and condos.
Must not currently own or have owned property in the last 3 years.
First time home buyer counseling program required.

Apply Now

Mortgage Refinance

Refinancing may help you lower your rate, change your loan term, or adjust your monthly payment. Keesler Federal mortgage specialists can help you review refinance options based on your goals.

Explore Refinance Options

Construction and Land Loans

Keesler Federal offers construction loans for building a home and land loans for purchasing property. These options help members finance different stages of the homebuilding process.

Learn About Construction Loans

VA Home Loans

Eligible service members, veterans, and surviving spouses may qualify for VA home loans with competitive rates and flexible financing options. Keesler Federal mortgage specialists can help guide you through the VA loan process and available benefits.

Find a Mortgage Loan Officer

USDA Home Loans

USDA loans help eligible borrowers purchase homes in qualified rural areas. These loans offer flexible financing options and may allow low or no down payment for qualified applicants.

Find a Mortgage Loan Officer

FHA Mortgage Loans

FHA loans are government-backed mortgages designed to help more borrowers qualify for home financing. These loans may offer lower down payment options and flexible credit requirements.

Find a Mortgage Loan Officer

Use Your Home Equity

Home equity loans let you borrow against the value of your home for improvements, large expenses, or other financial needs. This can be a good option for members who already own a home and want to use available equity.

Learn About Home Equity Loans

Home Purchase Loans

Keesler Federal offers mortgage options to help you purchase a primary residence or second home. Work with a mortgage specialist to explore loan terms and rates that fit your homeownership plans.

Get Prequalified

First-Time Home Buyer Program

Keesler Federal offers a First-Time Home Buyer Program for members who are ready to take the next step toward homeownership. The program includes:

100% fixed-rate financing
20 to 30-year terms
Min credit score is 660
Min loan amount is $50,000
No income or geographic restrictions
Guidance from mortgage specialists during the process.

Speak to a Mortgage Loan Specialist at 228-385-5597 or at 1-888-533-7537 ext 8720.

Single family primary residences only. Includes one unit townhomes and condos.
Must not currently own or have owned property in the last 3 years.
First time home buyer counseling program required.

Apply Now

Mortgage Refinance

Refinancing may help you lower your rate, change your loan term, or adjust your monthly payment. Keesler Federal mortgage specialists can help you review refinance options based on your goals.

Explore Refinance Options

Construction and Land Loans

Keesler Federal offers construction loans for building a home and land loans for purchasing property. These options help members finance different stages of the homebuilding process.

Learn About Construction Loans

VA Home Loans

Find a Mortgage Loan Officer

USDA Home Loans

USDA loans help eligible borrowers purchase homes in qualified rural areas. These loans offer flexible financing options and may allow low or no down payment for qualified applicants.

Find a Mortgage Loan Officer

FHA Mortgage Loans

FHA loans are government-backed mortgages designed to help more borrowers qualify for home financing. These loans may offer lower down payment options and flexible credit requirements.

Find a Mortgage Loan Officer

Use Your Home Equity

Learn About Home Equity Loans

Home Loan FAQs

Find answers to common questions about Keesler Federal home loans, including loan options, requirements, and how to get started.

The property or home must be located in Alabama, Louisiana, Mississippi, or Florida.

Mortgage payments can be made online, over the phone, or in a branch. Balances will not show on a member receipt for payments made in branch.

Mortgage payments are due on the first of the month and accrue a late fee after the 15th if payment has not been received.

Payments are always due on the 15th of the month.

Maximum Draw Period – 10 years
Maximum Loan Term – 30 years
Maximum Loan Amount – Up to $250,000

During the draw period of a home equity loan, the monthly payments are interest-only for the first 10 years. After the draw period ends, full principal and interest payments are required for the remaining 20 years. The exact amount of the monthly payment will depend on the interest rate and the outstanding balance of the home equity loan.

The home equity loan or line interest rate is based on the prime rate plus a margin determined by Keesler Federal, which is influenced by the member's credit score.

No. Home equity loans are for owner occupied primary residences and second homes.

No. All home construction must be 100% complete to qualify for a home equity loan.

Available in AL, FL, LA, and MS ONLY

You can borrow up to 90% of appraised value, less balance on 1st mortgage (based on credit score). • Max loan amounts from $150,000 to $250,000 • Minimum Loan amount $500.00

Minimum Loan amount $500.00

Keesler Federal offers home loan terms of 10 to 30 years, with fixed or adjustable (ARM) interest rates.

FHA
VA
Conventional
USDA
Construction Loan
Nonconforming
Land Loans (Fixed Rate & ARM)

Keesler Federal’s only in-house fees are the origination fee and processing fee. All other fees are outside fee (attorney fees, appraisal fee, credit report fee are a few) Funds will be collected to set up escrow account for taxes and insurance.

Property/Home must be located in the state of Alabama, Louisiana, Mississippi or Florida.

Payments can be made online, over the phone or in a branch. Balances will not show on the member’s receipt for payments made within a branch. See all loan payment options here.

All mortgage payments are due on the 1st of the month, and will accrue a late fee after the 15th of each month if payment hasn’t been received. Please refer to your closing documents for amount.

Bank Anytime with the Keesler Federal Mobile App

The Keesler Federal Mobile Banking App lets members securely access accounts, deposit checks, transfer funds, and track everyday spending directly from their phone.

Securely check balances, move money, and deposit checks from anywhere
Deposit checks, pay bills, and send money quickly using secure mobile banking tools
Set up account alerts and track spending to stay in control of your finances

Download the Keesler Federal Mobile Banking App on the App Store

0.5% Disclosure

Membership & credit eligibility required.

*Rate discount applies to applications and prequalifications for qualifying loan products: conventional loans (purchase and refinance), first-time home buyer advantage, one-time close construction loans and non-conforming loans. Excludes FHA, VA, USDA, land loans, HELOCs and construction loans with 2-time close option. Mortgages available in AL, FL, LA and MS. Offer subject to change at any time without prior notice.

Disclosure

Available in MS, LA, AL, FL.

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Home Loans from Keesler Federal

Learn About Keesler Federal Home Loans

What Are Home Loans?

How the Home Loan Process Works

Home Loan Options

Choose the Right Home Loan

Home Loan FAQs

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Bank Anytime with the Keesler Federal Mobile App