As of 2015, the Kinecta Federal Credit Union website doesn't allow users to submit mortgage applications online; however, it does provide the option to submit a pre-approval form. The pre-approval process involves an assessment of the borrower's ability to make loan payments and gives an idea of how much the borrower can borrow, notes Bankrate.
Users who submit pre-approval forms get the opportunity to speak to a loan professional who can provide advice and help them complete the mortgage application process in person.
Kinecta's website features tools for aspiring homeowners to learn about the buying process and for existing homeowners to get information about refinancing. The company takes part in Federal Housing Association lending and offers its own homeowner's programs, too, notes the Kinecta Federal Credit Union website.