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Home Loan Basics

Knowledge is power. Knowing your choices gives you the power to make good decisions. Throughout the Mortgage Center you'll find valuable information you may use when buying or refinancing your home.

Rates & Services

Discover the advantages of our various Loan Options. Let our Loan Consultant help you choose the loan that is right for you. Use Rate Tracker to notify you when a particular rate is available. Learn more about options to lock your rate while your loan is in process.

About Us

Your Credit Union is the only complete mortgage lending solution. We know mortgage lending, and we'll help you move into your new home or refinance your existing property faster and easier than all other lenders.

Welcome to 1st MidAmerica Credit Union

Mortgage Lending Made Easy

Where to Start

Information For First-Timers

First-Time Home Buying

Congratulations! We're Pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Calculators Apply

Purchasing A Home

Purchasing a Home

Buying a new home is exciting and the process of financing it is now faster and easier than ever before.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Calculators Apply

Start Saving By Refinancing

Refinancing a Home

If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt or plan a home improvement project.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Calculators Apply

Getting Value Out Of Your Home

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Apply

Building A New Home

Construction Loans

Construction loans offer flexible options for financing while your home is being built as well as the long term financing after your home is complete. You can finance each phase separately or look at one loan that covers both phases.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Apply

Experience Stress Free Lending!

Call today 618-258-4575

Today's Rates

Today's loan rates
Rate	Points	APR	Payment

30 Year Fixed
Interest Rate6.500%	Discount Points0	APR6.577%	Payment Amount$948

20 Year Fixed
Interest Rate6.875%	Discount Points0	APR6.978%	Payment Amount$1,152

15 Year Fixed
Interest Rate6.250%	Discount Points0	APR6.376%	Payment Amount$1,286

10 Year Fixed
Interest Rate6.375%	Discount Points0	APR6.553%	Payment Amount$1,694

10 Year ARM with10 year rate adjustment periods
Interest Rate6.125%	Discount Points0	APR6.518%	Payment Amount$911

Check Rates
Assumptions Display the Rate Page

Apply today!

Start with 'check rates' or call one of our lenders.

Barry Case (618) 258-7830

Leslie Schobernd (618) 258-4560

Kelly Chester (618) 258-4584

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