Mortgage Loans

We are experiencing a high number of mortgage inquiries, so it may take longer than usual for your call to be answered or for us to reply by email. Please be patient and know that we will respond to you as soon as possible.  Thank you in advance for your patience.

Holly and Audrey are ready to help you with your mortgage lending needs.  Midland has a variety of mortgage lending products and we will help you determine which one is best for you!

  • New Mortgage Loan – own rather than rent.  We make the process easy!
  • Mortgage Refinance – now might be the time to refinance and save!
  • Home Equity Loan – borrow from the money already invested in your home, and the funds can be used for just about anything; vacations, remodeling, college tuition, wedding expenses, or whatever life brings your way.
  • Home Equity Line of Credit– similar to a Home Equity Loan but funds are distributed when you need them rather than in one lump sum.
  • Fixed-Rate Mortgage Loan – the interest rate is set when you take out the loan and will not change.
  • Adjustable-Rate Mortgage Loan – the interest rate may go up or down.
  • Shorter-Term Fixed Mortgage Loan – offers a shorter term with a fixed interest rate.


Please email, call, text, or click the Apply Now button to start the process with Holly or Audrey!


Holly Luca, CCUE, CCUFC
Chief Executive Officer
Call:  515-645-9321
Text:  515-645-9334





Audrey Spencer
Retail Service Manager
NMLS# 1773786
Call:  515-645-9328
Text:  515-645-9334






Mortgage Tools