· First mortgage loans on primary or secondary homes only, no escrow required for taxes or home insurance. Can be used for refinances or purchase loans.. st. cloud Financial Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively.
*** Vanishing Mortgages are for a maximum 12-year term. stated rate is for loan-to-value of 80% and a minimum credit score of 680. First mortgage loans on primary or secondary homes only, no escrow required for taxes or home insurance. Can be used for refinances or purchase loans. Stated APR is based on a refinanced loan amount of $150,000
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