Members Credit Union Home Loans

For more than 20 years, Members Credit Union has trusted the Sharpe Mortgage Team as a dedicated mortgage partner for its members. Together, we help you buy, build, renovate, or refinance your home with the same member‑first service you expect from your credit union.


When you work with us, you’re not starting from scratch. You’re working with the mortgage team MCU already chose to serve its members.

Apply for your home loan


Home loan options for Members Credit Union members

As a Members Credit Union member, you have access to a full range of home loan options through the Sharpe Mortgage Team


I Want to Buy a Home

From move‑up to second homes and relocations, we help you make a confident offer with a strong pre‑approval.

Take Your First Step

I Want to Build a House

Explore construction and renovation financing options designed to support you from plans to move‑in day.

Construct Your Dreams

A long‑standing partnership focused on members

Members Credit Union’s “why” is to be your caring, trusted financial partner so you can focus less on money and more on what really matters in your daily life. Our role is to bring that same philosophy into your home financing.


For two decades and counting, MCU and Sharpe Mortgage Team have worked side by side to:



  • Offer mortgage options that support long‑term financial health.

  • Provide clear, honest guidance (never pressure)

  • Deliver a smooth process that respects your time and your trust.


Why Members Trust Us

Members Questions Answered

If you’re a Members Credit Union member and you’re thinking about buying, building, renovating, or refinancing, we’d love to help you explore your options.

Schedule Time with Us

  • How should I apply for my loan?

    Getting started is straightforward:


    Tell us you’re an MCU member


    In your first conversation or on your form, let us know you’re a Members Credit Union member so we can align with the credit union on your goals.



    Share your homeownership plans


    Whether you’re buying, building, renovating, or refinancing, we’ll ask a few key questions about your budget, timeline, and what “success” looks like.



    Get a Sharpe game plan for your mortgage


    We’ll outline the options available to you as an MCU member and help you decide which path fits best.

    Apply Here

  • Why does Members Credit Union Trust The Sharpe Team?

    You stay connected to a local, relationship‑driven team—not a random 1‑800 number.


    We coordinate closely with Members Credit Union to keep your bigger financial picture in mind.


    You get clear explanations of your options so you can make informed decisions, not rushed ones.


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  • Where is Your Office Located?

    We are in the Members Credit Union Offices in Winston Salem, North Carolina

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Members Credit Union

Members Credit Union is a member-owned, not-for-profit financial cooperative based in North Carolina, with headquarters in Winston-Salem. They offer a full portfolio of financial service products while charging fewer and lower fees than the larger for-profit banks. All deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government.

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The Members Credit Union Difference