Get a Lower Initial Rate on a 10/1 ARM
1.25% Below Today’s 30-Year Fixed Rate*
Donate today & help us reach our $1M goal to preserve the polar bear’s Arctic home.
Polar bears live on the ice-covered waters of the arctic, relying almost entirely on shrinking sea ice for their survival.
Home Dreams, Realized
Tri County Area Federal Credit Union and Member First Mortgage, LLC (MFM) have teamed up to provide affordable mortgage solutions and excellent service to our members.
- Wide range of loan offerings
- Affordable down payment options
- Competitive rates & closing costs
- Expedited closings
- Easy online application
Budget Friendly Solutions
Our entire purpose is to serve you, and help you realize your financial dreams. Discover how our tailored-to-you loan products, competitive rates, and minimal closing costs can be the solution you seek.
“I Predict That We Could See Ice-Free Summers onthe North Pole Within a Decade.”
Owning a home is likely the biggest investment of your life — whether you’re looking to buy a new home, leverage equity you already have in yours, or sell your home, we can help!
What To Expect
A mortgage is one of the biggest purchases you make. Watch this video for a quick guide on the process, and what to expect.
Mortgage Calculators
Homebuying Guide
Be informed! Review best practices for finding, buying, and financing your new home – with a payment you can afford.
Complete our mortgage application to begin your journey to owning your new home!
34%
0
RAISED
$376,943
OUR GOAL
$1,000,000
John Forsyth, Lead Researcher, The Canadian Polar Insitute
If you have questions and want to talk about your specific situation,
call our trusted Mortgage Consultant from Member First Mortgage today:
Sr. Mortgage Consultant
Contact Us
RESOURCES
KNOW WHAT TO EXPECT WHEN YOU GET A MORTGAGE
We know that getting a mortgage is a big decision and we want to make sure that our members have the resources to make the mortgage process as simple as possible. From application to closing, our expert mortgage team will ensure that you stay informed.
Mortgage Calculator
Member First Mortgage
Visit the Member First Mortgage website to learn more about our mortgage partner and for more mortgage resources.
Find Out More About Loan Products
If you'd like to learn more about individual loan products to figure out which one is right for you, visit MFM's Loan Product page on their website.
Continue Your Application
Have you already started completing a mortgage application? Finish your application today!
* This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Jim Rogers, NMLS #235651 and Marta Dewitt, NMLS #746406 are authorized to act as an agent of Tri County Area Federal Credit union and is authorized to represent Member First Mortgage, LLC (‘MFM’). MFM (616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532) is a Licensed Mortgage Lender/Servicer and a partner of Tri County Area Federal Credit union (1550 Medical Dr., Pottstown, PA 19464 | 610.326.3705 | NMLS ID: 455689) For MFM’s state disclosure information, please visit MFM’s website. For NMLS licensing information, please visit www.nmlsconsumeraccess.org | Equal Housing Opportunity.
*Jim Rogers, NMLS #235651 and Marta Dewitt, NMLS #746406 are authorized to act as an agent of Tri County Area and is authorized to represent Member First Mortgage, LLC (MFM). For MLO Licensing information, please visit NMLS Consumer Access.
Tell Us About Yourself
I want a lower payment
Adjustable-rate mortgages can deliver lower initial monthly payments.
I want first-time homebuyer perks
Special features and benefits exclusively for first-time buyers.
I want a payment that doesn’t change
Fixed-rate loans lock in your rate and term for the life of the loan.
I want an affordable down payment
Multiple loan options that help with restricted incomes or lower credit scores.
I want a home in a rural area
USDA/RD loans can help make eligible locations more affordable.
Tell us about yourself
I want a lower payment
Adjustable-rate mortgages can deliver lower initial monthly payments.
I want first-time homebuyer perks
Special features and benefits exclusively for first-time buyers.
I want an affordable down payment
Multiple loan options that help with restricted incomes or lower credit scores.
I want a payment that doesn’t change
Fixed-rate loans lock in your rate and term for the life of the loan.
I want a home in a rural area
USDA/RD loans can help make eligible locations more affordable.
From application to closing, our trusted mortgage professionals will ensure that you stay informed. Watch this video to learn how to apply.
How to Apply
Find Out More About Loan Products
If you'd like to learn more about individual loan products to figure out which one is right for you, click the link below or reach out to your Loan Officer.
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Home Loans
Available to all eligible borrowers on a first lien purchase or refinance of a primary and secondary residence, in the State of Pennsylvania only, using a conventional 10/1 Adjustable-Rate Mortgage (ARM) portfolio loan product with Tri County Area Federal Credit Union. Not eligible on 2–4-unit properties or manufactured homes. Example scenario, calculated 9/10/2026, assumes excellent borrower credit history and is based on a $380,000 loan amount with a 5% cash down payment from the borrower and 95% conventional financing on a 30-year ARM term. Example scenario assumes an initial interest rate of 5.875% and an Annual Percentage Rate (APR) of 6.32% for years 1-10 (120 monthly principal and interest (P&I) payments of $2,247.84); the first adjusted interest rate can increase or decrease by 2% for 1 year (12 monthly P&I payments of $1,900-$2,626); the second adjusted interest rate can increase by 2% or decrease as low as the rate minimum (2.75%) for 1 year (12 monthly P&I payments of $1,726-$3,018); subsequent adjustments can increase to the rate maximum (10.875%) or decrease to the rate minimum (2.75%) each year for years 13-30 (annually adjusted monthly P&I payments of $1,726-$3,216); example scenario payments do not include taxes, insurance, or mortgage insurance (if applicable), the actual payment obligation will be higher. This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Tri County Area FCU, 1550 Medical Dr., Pottstown, PA 19464 | (610) 326.3705| NMLS ID: 455689. For registration information, please visit www.nmlsconsumeraccess.org. Equal Housing Opportunity.
Get a Lower Initial Rate on a 10/1 ARM
1.25% Below Today’s 30-Year Fixed Rate*
Be informed! Review best practices for finding, buying, and financing your new home – with a payment you can afford.
Homebuying Guide
Join Us for a First Time Homebuyer Workshop
Sr. Mortgage Consultant
Mortgage Loans
Join Us for a First Time Homebuyer Workshop
Available to all eligible borrowers on a first lien purchase or refinance of a primary and secondary residence, in the State of Pennsylvania only, using a conventional 10/1 Adjustable-Rate Mortgage (ARM) portfolio loan product with Tri County Area Federal Credit Union. Not eligible on 2–4-unit properties or manufactured homes. Example scenario, calculated 9/10/2026, assumes excellent borrower credit history and is based on a $380,000 loan amount with a 5% cash down payment from the borrower and 95% conventional financing on a 30-year ARM term. Example scenario assumes an initial interest rate of 5.875% and an Annual Percentage Rate (APR) of 6.32% for years 1-10 (120 monthly principal and interest (P&I) payments of $2,247.84); the first adjusted interest rate can increase or decrease by 2% for 1 year (12 monthly P&I payments of $1,900-$2,626); the second adjusted interest rate can increase by 2% or decrease as low as the rate minimum (2.75%) for 1 year (12 monthly P&I payments of $1,726-$3,018); subsequent adjustments can increase to the rate maximum (10.875%) or decrease to the rate minimum (2.75%) each year for years 13-30 (annually adjusted monthly P&I payments of $1,726-$3,216); example scenario payments do not include taxes, insurance, or mortgage insurance (if applicable), the actual payment obligation will be higher. This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Tri County Area FCU, 1550 Medical Dr., Pottstown, PA 19464 | (610) 326.3705| NMLS ID: 455689. For registration information, please visit www.nmlsconsumeraccess.org. Equal Housing Opportunity.
