Mortgages & Real Estate

A Stress-Free Mortgage Means….

1) All my questions are patiently answered.
2) I can trust my Lender.
3) I understand my Mortgage Loan.

Enjoy a stress-free Mortgage Loan experience when you talk to our experienced Mortgage staff.

Mortgage – How Much Can I Afford?

St Cloud Federal Credit Union offers a variety of home mortgages for both purchase and refinance transactions. Our Mortgage Loan Department is located at our St. Cloud office.

Real Estate Mortgages

  • Purchase Transactions
  • Primary Residence
  • Second Homes
  • Investment Property
  • Land Loans
  • Construction Loans

If you are planning a real estate transaction,
St. Cloud Federal Credit Union can help you!

  • Buying a lot and constructing a new home.
  • Buying your first home or your last home.
  • Buying a second home or an investment property.
  • Refinancing to lower your payment or consolidate debt.

Our goal is to provide you with the best loan that meets your needs, saves you money, and makes your real estate financing experience as easy and stress-free as possible.


Find out how much of a mortgage you can obtain before you start looking at homes. We provide free pre-approvals — based on income, debt, and credit — so you know how much you can afford ahead of time. Our Mortgage Loan Department is located at our St. Cloud office.

Use our online calculators to help determine how much of a mortgage you can afford.

To Apply…

Option 1: Apply online now using our streamlined application process. You will also be able to view complete cost information beforehand. (The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, gender and income of applicants and borrowers; and information about loan approvals and denials. Inquire at our office regarding the locations where HMDA data may be inspected.)

Option 2: Prequalifications are available by contacting one of our Mortgage experts. Before you do that, you may want to download and complete a Pre-Application Worksheet, which will speed up the process when you meet with Jim or Lisa. This PDF file can be filled in and saved on your computer. You can edit the file any time, and your changes will be saved each time you save the file. You can print the file and bring the information when you meet with us.

Our Mortgage Loan Department is located at our St. Cloud office. Contact Jim or Lisa directly, or use the Mortgage Department’s general contact information:

phone: (320) 258-2186


Jim Jim Arnold
Mortgage Loan Officer
(320) 258-2174 Toll-free: 1-888-252-2634
Fax: (320) 258-2171
NMLS#: 423382

Lisa Lisa Schreifels
Mortgage Loan Officer
(320) 258-2149Toll-free: 1-888-252-2634
Fax: (320) 258-2171
NMLS#: 533090

Jacey Jacey Stocker
Mortgage Specialist
(320) 258-2176
Toll-free: 1-888-252-2634
Fax: (320) 258-2171
NMLS#: 423383

Tyra Tyra Baumann
Mortgage Specialist
(320) 258-2175
Toll-free: 1-888-252-2634
Fax: (320) 258-2171
NMLS#: 1081703

Our Mortgage Loan staff is located at our St. Cloud office, 3030 First Street South (30th Avenue & First Street South).

Mortgage Department general contact information:
(320) 258-2186,

Also Available — HOME EQUITY Line of Credit:

A Home Equity Line of Credit is a form of revolving credit in which the equity in your home serves as collateral. Draw out funds as you need them, up to a predetermined limit. Generally, the interest rate is lower than other consumer financing options; the amount of money you can borrow is normally larger than other types of personal loans; and, depending on a person’s tax situation, the interest paid on a home equity loan may be deductible. A Home Equity Line of Credit can be used to pay for home improvements, medical bills, education, and other major expenses. For more details, click here.

And click for details on federal regulations governing home equity financing.

      Member Cellular Discounts with Sprint