Home Loans


Mortgage Loans

Mortgage Financing You Can Trust

  • New Home?
  • Refinance?
  • Home Equity Line of Credit?
  • Construction?

Maine Family Federal Credit Union has you covered with a variety of mortgage services to meet your needs. Check out our low rates. Maine Family's dedicated mortgage team is here to help you make the right financing decision.

We also offer Mobile Homes on owned land, Land Loans and Seasonal Home loans. 

Apply Now  Current Rates 

Home Equity Line of Credit (HELOC)

  • Need to do some repairs?
  • Pay for college?
  • Take a vacation?

The equity in your home is the difference between the value of your property and the amount you owe your mortgage lender. A Home Equity Line of Credit (HELOC) allows you to borrow against your home’s equity to make discretionary purchases or pay of high interest debt. HELOCs are convenient for funding intermittent needs, such as paying off credit cards, making home improvements, or paying college tuition. You draw and pay interest on only what you need. HELOCS have several advantages

  1. No fees when using your HELOC
  2. Low interest rate
  3. Caps on rate increases
  4. Pay it off when you like.

Apply Now  Current Rates 

Our Home Equity Loan is a variable rate of Prime Minus .25% for the life of the loan. The rate is adjusted monthly based on Prime as shown in the Wall Street Journal. The prime rate was 3.50% APR* as of 12/17/15. Hazard Insurance is required. Flood insurance is required where necessary. Please consult your tax advisor for deductibility of interest and charges. We will lend up to 85% of the appraised value of your home, minus first mortgage. No minimum amount for line of credit. Maximum APR* is 18.0%. 

View a Federal Reserve Board publication entitled "What you Should Know About Home Equity Lines of Credit"

Good Foundations Construction Loan

Construction Loan Checklist

Our program GOOD FOUNDATIONS is a construction loan program. This program offers:

  • Competitive fixed rates with terms up to 30 years.
  • Require 20% Down payment (Cash or land equity).
  • There is a One-Time Closing
  • Same fixed rate for the entire term.
  • 12 months Interest-Only Payments during the construction phase.
  • Flexible Underwriting
  • Local Servicing
  • Limited Fees
  • Local Service by our experienced loan professionals.
  • One-time loan application
  • Quick loan approval
  • Fast document processing and loan closing
  • Low closing costs

For more information call, 207.783.2071 to make an appointment to speak with our knowledgeable Mortgage Department staff.

Apply Now  Current Rates 


NCUA Logo     Equal Housing Lender Logo

Your savings federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government.

About Us

  • Address: 555 Sabattus St., Lewiston, ME 04240
  • Branch Locations
  • Phone: 207-783-2071
  • Routing #: 211287913

Search the website by entering your search terms below.

© 2018 Maine Family Federal Credit Union. All rights reserved. | Web Design by Avtec Media