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We Have a Solution Just For You

HOME LOANS

Apply for a Mortgage Refinance Your Home Home Equity Loans Construction Loans Land Loans

Choose a lender who makes you the priority

Whether you are in the market for your first home, forever home or a vacation home, Keesler Federal has great mortgage options to make your dream a reality.

Low or No Closing Costs

Don’t pay more than you need to in closing costs. We help you close with more money in your pocket.

Flexible Terms & Rates

With terms from 10 to 30 years and both fixed-rate and adjustable-rate options, you can let your budget drive your mortgage, not the other way around.

Expert Guidance & Advice

With comprehensive online resources and dedicated loan representatives, you’ll feel informed every step of the way.

Member Giveback

As an added bonus, having a home, land or construction loan with us makes you eligible for our monthly Member Giveback drawing.

Current Giveback Winners Official Contest Rules

Find the Right Mortgage Loan to Fit Your Needs

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Purchase Your New Home

Choosing the right mortgage lender is almost as important as finding the right home. See why Keesler Federal is the right choice for you.

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Get a Personalized Quote on a Home Loan

Our easy to use mortgage loan quote tool helps you decide what home loan option may be the right one to fit your needs.

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Refinance Your Existing Home Loan

Want a little more in your pocket? See if you can pay less each month by taking advantage of our highly competitive rates.

Compare Your Mortgage Options

  • Best if you want:

    Best if you want:

  • Maximum loan amount

    Maximum loan amount

  • Terms

    Terms

  • LTV

    LTV

  • Closing cost credit

    Closing cost credit

  • Prepayment penalty

    Prepayment penalty

Adjustable Rate

  • Best if you want:

    To start paying off your mortgage at a lower interest rate, particularly if you’ll be looking to sell within 5 years.

  • Maximum loan amount

    $766,550. Jumbo loans available.

  • Terms

    Rates may adjust only every 5 years up or down, limited to a 2% cap.

  • LTV

    Up to 95% after qualifying

  • Closing cost credit

    Lender paid credit up to $2,500 towards closing costs.

  • Prepayment penalty

    No

Fixed Rate

  • Best if you want:

    To lock in a fixed rate.

  • Maximum loan amount

    $766,550. Jumbo loans available.

  • Terms

    Fixed rate for up to 30 years

  • LTV

    Fixed rate for up to 30 years

  • Closing cost credit

    No

  • Prepayment penalty

    No

Other Mortgage Solutions

USDA and FHA Mortgages

Contact Us About Other Mortgage Options

First-Time Homebuyer Program

A child playing in the living room of their family's new home as their parents and siblings walk in behind them.

If you thought home ownership was not possible, think again. Keesler Federal’s First-Time Homebuyer Program is designed specifically for members who are ready to take the next step and realize their dream of homeownership. The mortgage process can be complicated but rest assured, our expert lending team will be there with you the entire way.

Member Stories

Program Highlights1

  • 100% financed
  • 20 to 30-year terms
  • Min credit score is 680
  • Min loan amount $50,000

1Single residences only.
Must not currently own or have owned property in the last 3 years.
First time homebuyer counseling program required.

Apply Now

Keesler Federal Mortgage Center

Get Prequalified

Get a better idea of your monthly payment, and interest rate for the home you have in mind.

Learn more about prequalification

Home Buying Resources

Get your learning on with our comprehensive mortgage resource library.

Explore resources

Get a Custom Quote

Complete the form below and we will create customized quotes based on your loan details.

Get your quote

Mortgage Calculators

Mortgages FAQs

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

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.

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.

See all Mortgage Loan FAQs
Stop By One of Our Branches
Find Your Nearest Branch
Apply Online for a Mortgage Loan
Apply Now

Disclosures

Available in MS, LA, AL, FL.

10-Year Fixed Mortgage | 15-Year Fixed Mortgage | 30-Year Fixed Mortgage | Fixed-Rate Second Mortgage | Jumbo Mortgage | Adjustable Rate Mortgage | VA Mortgage

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