At South Metro Federal Credit Union, we provide solutions for your dreams. We offer a variety of Mortgage loans with competitive rates to make your dreams reality.

Best of all, we’ve got friendly staff in-office and lots of resources online to make whole process easy by anyone’s definition. Please call of visit one of our locations, or just scroll down for more information.


We usually recommend that you call or visit one of our loan officers for help completing a mortgage application. It’s quick and easy to apply over the phone – call us today at 952-445-0888.

If you’re ready to apply online, you can use CU Companies’ MortgageBot. CU Companies is your member-owned mortgage, real estate and title company.

Our Co-Op Share Housing Loan is good for Co-op Share refinances, too!  If you have questions, call us at 952-445-0888.

Click here to get started.

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Use the equity in your home to lower your credit card debt, fund a remodeling projects, and more. Apply online for your next home equity loan – day or night!

We also have a loan application on our Mobile Banking app, or you can apply over the phone using Telephone Banking at 1-800-459-8139.

Online Loan Application

SouthMet Testimonials

I am very happy to become a new member of South Metro Credit Union and I will tell others about how wonderful all of you are there. – Yvonne

Mortgage Loans

Make your dreams of home ownership a reality with a South Metro mortgage loan. Whether you’re looking for a first-time mortgage or a refinance, our friendly and knowledgeable staff can help you find the right loan package to suit your needs.

Discover all the different mortgage options available to credit union members. Give us a call at 952-445-0888.

Servion Realty Opens the Door to Your Dream Home

With Servion Realty (formerly CU Realty from CU Companies), you can find a home, arrange for the mortgage, and close on your home all at the same place. And refinancing your existing home is just as easy and time-saving as purchasing a new one. For your free market analysis or to consult with a Realtor© about purchasing a home, call 651-787-9555 or log on to

Business Mortgages Available

If you need a loan for commercial real estate or business construction, South Metro’s Business Lenders can help your business thrive! For more information, call 952-445-0888 and ask for Michelle Hein.

SouthMet Testimonials

Everyone is friendly and patient with my questions. I know more about my money now. – Karen

Co-Op Housing Loans

South Metro FCU has the skill and experience to make your Coop share housing loan process a success.

What is a Co-op?

A housing cooperative is a group, usually a corporation, which owns a piece of real estate (generally an apartment building). Each person or family who wishes to live in the building buys a share of the corporation, which grants the buyer a proprietary lease on a specific unit in the property.

Co-ops offer benefits similar to home ownership without having to maintain a traditional home. The shareholders are responsible for maintenance fees for the upkeep of the building, property taxes, etc. Hallways and other common areas on the property are owned jointly by the Co-op’s shareholders.

Unlike a condo owner, a Co-op resident simply owns a share of the Co-op corporation, which entitles them to a proprietary lease for a specific unit. The co-op share ownership is not considered real estate, but personal property. Thus, a Co-op Housing loans is different from a mortgage.

In the case of a Co-op, each individual unit does not have a deed. The Cooperative owns the entire property and holds the deed. A South Metro Co-op Housing loan allows you, as the buyer, to purchase your share in the Co-op and the right to live in your unit.

To learn more about Co-Op Housing loans, stop in or call us at 952-445-0888.

SouthMet Testimonials

Best banking experience of my life. – Robert

Second Mortgage Loans

Put the equity in your home to work for you! Whether it’s a home improvement project or a consolidation of those pesky debts, South Metro’s Home Equity Program offers lower-interest loans. Unlock cash for:

  • Home Improvement
  • College Education
  • Vacation Home
  • Boat or RV
  • Debt Consolidation
  • …or, just about anything!

Your home could be your best borrowing alternative. Check out your options below.

  • Variable or Fixed Rate Loans
  • Loans up to 90% of your homes value
  • Up to 15 years to pay
  • A second mortgage, so you can keep your low-interest first mortgage.

Call our office at 952-445-0888 to inquire about South Metro’s HELOC and Fixed Rate Home Equity loans.

Get there. Start here.

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