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Home Loans & Lines of Credit


Mortgage Loans

Let 1st MS help you with the often-confusing process of buying a home. Our Loan Specialists will walk you through the process and help you make informed decisions on choosing the best home loan for you. We also offer quick and easy refinancing to save you money on your existing mortgage.  At 1st MS FCU we can help you with mortgage financing right here at home (our in-house mortgage program) or assist you with a mortgage loan placed in the secondary market.

  • Lock in a low rate* with a fixed-rate mortgage (up to 30 year terms)* - Click here to view current rates.
  • Choose from a variety of mortgage options to meet your needs
  • Pre-approval available to determine your budget

Are you interested in a Mortgage Loan from 1st MS? Visit one of our locations today and talk with one of our Loan Specialists. Click here for contacts and locations.

*5 year balloon up to 360 month schedule.
Note:  Double-wide modular homes with real estate - 5 year balloon up to 360 month schedule.
*Rates based on creditworthiness and credit union relationship, so your rate may differ.  Taxes and Insurance not included, therefore the actual payment obligation will be greater.  NOTE:  MORTGAGE LOAN RATES DIFFER FOR MORTGAGE LOANS PLACED IN THE SECONDARY MARKET.  CALL OUR MORTGAGE LOAN DEPARTMENT AT (601) 484-5630 FOR CURRENT RATES.

Manufactured Home Loans

1st MS offers loans specifically for manufactured homes. Whether you are financing for the first time or refinancing an existing loan, our Manufactured Home Loans are designed to meet your individual goals. If you own your land, we can customize a loan to suit your needs.

Features include:

  • Refinance your existing Manufactured Home Loan and lower your interest rate* - Click here to view current rates.
  • Pull out equity to make improvements on your home
  • Use your equity to pay off higher rate debts or finance a new auto

Are you interested in a Manufactured Home Loan from 1st MS? Visit one of our locations today and talk with one of our Loan Specialists to get started. Click here for contacts and locations.

*Interest rates vary according to credit approval, loan term and loan-to-value. Contact one of our loan professionals to see if you qualify for a lower refinance rate at 601.484.5630 and ask for a Loan Specialist.

Equity Line of Credit

1st MS helps our members obtain the cash they need through Home Equity Lines of Credit. Whether you need to make improvements on your home, pay education expenses, purchase a new vehicle, consolidate your bills, or just take a vacation, a Home Equity loan can be the best option to give you the quick cash you need. Features include:

  • Borrow up to 80% of the equity in your property less any mortgages
  • Low interest rate - click here to view current rate
  • Interest may be tax deductible (consult your tax advisor for details)

Are you interested in an Equity Line of Credit from 1st MS? Contact us at 601.484.5630.

If you need additional information or have questions, click here for contacts and locations.