Member Update: All Branches, including our Call Center, will be closed on Monday, January 20th in observance of Martin Luther King, Jr.'s Birthday. We will resume business hours Tuesday, January 21st. Members can access their accounts at any time through our Online, Mobile, or Phone Banking platforms.
Welcome to the new and improved mazuma.org!
We’ve made it easier than ever to access your accounts, find the product and service information you need, and connect with resources to achieve your financial goals.
With a proven track record of competitive rates*, fast turnaround times, and personalized service, our Mortgage Team holds the keys to a successful home buying experience. Their expert guidance can help you make your dream home a reality.
Fixed-Rate MortgagesInterest rate is set for the life of the loan. Offers security for those who plan to stay in a home. Usually 15-,20-, or 30-year term loans.
Advantages: Makes budgeting easier. Disadvantages: Can be more expensive. |
Adjustable-Rate MortgagesLower interest rate up front. Offers flexibility for those who plan to move again. Rate adjusted after 5-7 years.
Advantages: Lower payments early on. Disadvantages: Rates may rise later. |
FHA LoansLoans insured through the Federal Housing |
VA LoansLoans guaranteed in part by the Department of |
Qualified FHA or VA loan recipients can access:
Lower down payments
Lower closing costs
Flexible credit requirements
Fixed-Rate MortgagesInterest rate is set for the life of the loan. Offers security for those who plan to stay in a home. Usually 15-,20-, or 30-year term loans.
Advantages: Makes budgeting easier. Disadvantages: Can be more expensive. |
Adjustable-Rate MortgagesLower interest rate up front. Offers flexibility for those who plan to move again. Rate adjusted after 5-7 years.
Advantages: Lower payments early on. Disadvantages: Rates may rise later. |
FHA LoansLoans insured through the Federal Housing Administration have been helping people become homeowners since 1934. |
VA LoansLoans guaranteed in part by the Department of Veteran’s Affairs are available to Veterans and Servicemembers. |
Qualified FHA or VA loan recipients can access:
Lower down payments
Lower closing costs
Flexible credit requirements
Our experts may be able to help you get a better rate and lower your monthly payments.
By discussing your financial goals, monthly income, investments, and other fiscal measures, Mazuma can help you uncover the lowest rates and pay off your house without stretching yourself too thin.
The agents making Kansas City a better place to live:
Explore the results of a mortgage loan (or refinance!) with our Loan Calculators to learn which options could be best for your budget:
Mortgage Payment – What will your monthly payment be/what can you afford? Mortgage Payment Calculator
Refinance/Break Even – Should you refinance and when would you break even? Refinance/Break Even Calculator
ARM and Interest Only ARM vs. Fixed-Rate Mortgage – Use this calculator to compare a fixed-rate mortgage to two types of ARMs. ARM vs. Fixed Calculator
Refinance Interest Savings – How much interest could you save by refinancing your mortgage?
Refinance Interest Savings Calculator
When you bank with Mazuma Credit Union, you’re not just investing in your own financial future – you’re becoming part of something bigger! As a not-for-profit, Member-owned financial institution, we’re committed to improving the lives of our Members and our community.
A mortgage is a loan that allows you to borrow money to buy a home. You use the home as collateral for the loan, and you repay the loan over a set period, usually 15, 20, or 30 years.
We offer:
Fixed-Rate Mortgages: Your interest rate remains fixed for the entire loan term.
Adjustable-Rate Mortgages (ARM): Your interest rate can change periodically, often based on an index.
FHA Loans: Government-backed loan with lower down payment requirements and more lenient credit score standards.
VA Loans: Government-backed loan for eligible veterans and military members.
Contact us and we will help you through the home buying process; we're here to guide you every step of the way.
Several factors can influence your mortgage interest rate, including credit score, the term of the loan, the down payment, the type of mortgage, and current market interest rates.
Contact us and we will help you through the home buying process; we're here to guide you every step of the way.
Some of the documents you will need to apply for a mortgage may be: proof of income (pay stubs, tax returns), proof of assets (bank statements, investment accounts), proof of identification (driver's license, passport), and proof of residence (utility bills, lease agreement).
Contact us and we will help you through the home buying process; we're here to guide you every step of the way.
Take a look at our mortgage calculator, which can help you estimate your monthly payments.
Absolutely! Refinancing your mortgage means getting a new mortgage to pay off your current one. This can be a great way to lower your monthly payment, shorten your loan term, or switch to a fixed-rate mortgage.
Contact us and we will help you through the refinance process; we're here to guide you every step of the way.
NMLS ID: 447164
Any interest rates, annual percentage rates (APRs), discount points, and rebates shown are subject to change without notice.
*Not all borrowers will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit and property approval.