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MORTGAGES

There’s No Place Like Home

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Get what you need to buy the home you want

There’s a reason why Keesler Federal has been selected as the Sun Herald People’s Choice Winner for Best Mortgage Lender five times and counting. With our great low rates, flexible loan options and experienced mortgage loan representatives, you’ll have a new place to call home in no time.

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.

I’m very happy I chose to go with my credit union over a mortgage company. I was very impressed with everyone throughout the smooth process!!

— Stephanie C., Ocean Springs, MS

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

Home Free Mortgage

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

    $510,400 or $600,000 for a jumbo mortgage

  • Terms

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

  • LTV

  • Closing cost credit

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

  • Prepayment penalty

    No

Fixed-Rate

Additional Mortgage Options

FHA Mortgages

Federal Housing Administration loans offer more flexible lending standards and lower down-payment requirements. Down payment funds can be a gift from a family member.

VA Mortgages

Veteran’s Administration loans are for eligible Veterans and Active Duty Military personnel.

USDA Mortgages

The USDA provides competitive rates in rural communities and offers a 100% financing program for qualifying properties and borrowers. The seller can contribute up to 6% in closing costs and pre-paids.

Visit our Mortgage Loan Center to see today’s rates

See mortgage loan rates

Mortgages Calculators

We cannot thank you enough!!! You’ve made this process easier than we thought, especially since we didn’t go through a realtor!! We appreciate you all so very much! Definitely will be recommending friends and family to see Keesler Federal for mortgage loans.

— Iris P. Nguyen, D’Iberville, MS

Keesler Federal Mortgage Center

Meet our Loan Advisors

Our loan advisors are ready to help with all of your home financing needs!

Find a loan advisor near you

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

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

We love our members. Here’s our way of saying thanks.

Sometimes, a tote bag isn’t the surprise gift you really need. With Keesler Federal’s innovative Member Giveback program, you could win a mortgage payment (up to $1,000) just for being a member. Every month, we reimburse one lucky member’s mortgage loan payment! Why do we do it? Because we think you deserve more.

Learn more about our Member Giveback Program

Happy Homeowners
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 | FHA Mortgage | VA Mortgage | USDA Mortgage

*Offer: If a Keesler Federal Credit Union member is offered a better mortgage interest rate by a competing financial institution for the purchase or refinance of their home, Keesler Federal guarantees that they will beat or match the documented offered rate. If Keesler Federal cannot match the rate, Keesler Federal will deposit $1,000 into the Member’s Keesler Federal account after the loan closes with the competitor.

Terms and Conditions:
• Guarantee is available for purchase and refinance first lien mortgages.
• Eligible programs include Conventional, FHA, VA and USDA loans programs. Mortgages available in MS, AL, LA and FL.
• These first mortgage programs are not eligible: Land Loans, Jumbo Loans, Home Equity, ARMs, Home Free and any other program that may feature a Keesler Federal lender credit.
• Members requesting a rate match must obtain an LE (Loan Estimate) from the other lender and present it to their Keesler Federal Loan Officer within 24 hours of application along with all documentation required to lock the rate on the loan. Keesler Federal must lock the loan rate at this time.
• Alternative documentation used to show competitor’s terms and rate will not qualify for offer. The LE from a competitor is required to be provided to Keesler Federal.
• The terms of the competing loan must be identical to Keesler Federal’s loan program. For example, a competitor’s 15-year fixed-rate conventional conforming loan, with mortgage insurance, is not identical to a Keesler Federal 15-year fixed-rate conventional conforming loan that does not have mortgage insurance.
• Keesler Federal reserves the right to charge points to match a competitor’s rate. Fees should not factor into the rate match.
• Once the Member locks the rate with Keesler Federal, the loan must close and funds must be disbursed within the rate lock commitment period. If the rate expires, the rate match will be voided and rate will be relocked at current market rates.
• The Lender Information section on the Loan Estimate must be fully completed by the competing financial institution in order to have a valid Loan Estimate. Incomplete Loan Estimates will not be considered for the Rate Match Guarantee offer.
• To receive the $1,000 guarantee, the Member must provide a signed, executed copy of the final Closing Disclosure, copy of the Note, a signed copy of the initial mortgage application, and a copy of the first mortgage statement or recorded Deed of Trust within 60 calendar days of the loan closing with the original competing lender. The Member must document that the mortgage loan closed and was not rescinded in order to receive the guarantee.
• The Guarantee Offer is not valid if original loan terms or conditions change prior to closing.
• In order to be eligible for the $1,000 guarantee, the Member must have requested a rate match from a Keesler Federal Mortgage Loan Originator, presented the competitor’s completed LE, and documented that Keesler Federal was unable to match the competitor’s rate. A Keesler Federal issued LE, with a higher rate, will serve as documentation that Keesler Federal was not able to match the rate when the rate match request was made along with the completed competitor’s LE.
• If the Member refuses to lock the rate with Keesler Federal when we agree to match the rate, this offer is no longer valid.
• Once required closing documents are reviewed and approved, the $1,000 guarantee will be deposited into the member’s Keesler Federal account. The deposit will be performed within 30 calendar days of receiving and approval of the necessary documentation.
• The Member is responsible for any personal tax liability arising out of receipt of the $1,000 guarantee.
• The borrower must be a Keesler Federal member at the time of the initial application or Loan Estimate date to qualify.
• Ask your Keesler Federal Mortgage Loan Originator for list of required documents to be presented at time of application.
• All information listed on the loan application must be accurate and complete.
• There may be no credit related disputes, such as credit reporting errors which must be rectified prior to loan closing. If Federal law requires a three day delay when providing updated disclosures thus resulting in a delay of the closing date, Keesler Federal will not be responsible for the rate expiring due to the delay.
• The appraisal report on the home must assign a value equal to or greater than the purchase price of the home. The appraisal report must be acceptable to Keesler Federal Credit Union.
• The closing may not be delayed by the seller or a third party, such as an appraiser, real estate attorney or title company, failure to obtain a homeowner’s insurance policy, flood zone determinations, inclement weather, a natural disaster, or some other emergency outside of Keesler Federal Credit Union’s control. Keesler Federal will not be responsible for the rate expiring due to these delays.
• If the delay of a closing date is caused by Keesler Federal Credit Union and the rate lock expires, Keesler Federal will extend the lock and honor the Guarantee.
• The Rate Guarantee does not apply to short-sale purchases or bank-owned/investor-owned properties.
• Terms and conditions for the Rate Match Guarantee program are subject to change.
• The Rate Match Guarantee program is subject to change and may be discontinued at any time.

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