Home Loans Mortgage Loans
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.
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Loan Application

You must be a member to apply.  If not a member, stop by any of our locations to establish membership with 1st MS.


If you are a member, please click the CONTINUE button below and complete the information requested.