Mortgages | Michigan Credit Union Home Loan

Learn More about $750 off of closing costs

We have the mortgage for your dream home.

UMCU offers competitive rates, a wide range of mortgage options and an easy application process. Just as importantly, we can help lead you to a loan that will make you just as happy as your new home.

For out-of-state, government, and construction loans please visit our trusted mortgage partner, Member First Mortgage.

Flexible terms are available to fit your needs with 10, 15, 20, and 30-year fixed rates
Conventional and Jumbo Loans
Competitive rates and closing costs
Refinance existing homes
Free pre-approval, so you can shop for your home knowing what you can afford
No application fee
Make monthly payments with automatic deduction from your checking
Discount points available to lower your interest rate
Subject to credit approval; normal credit standards apply

UMCU NMLS #712343.

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nsured by NCUA

*Offer subject to credit approval. Rates vary based on credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

**Cannot be combined with any other offer or discount.

Are you buying?

Acquiring the right loan can make your home purchase more affordable. UMCU offers fixed-rate mortgages ranging from 10 to 30 years. Those looking for lower monthly payments in the early years of home ownership should look into our attractive adjustable-rate mortgage offerings.

Apply Now

Building a home?

Your dream home's blueprint should include a UMCU loan. We have many years of experience with construction loans. One easy application can give you a loan that covers your costs all the way through the building process.

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Refinancing?

Do you love your current house but not your current mortgage? UMCU is committed to helping you find a solution that better suits your current financial situation. We'll do everything we can to lower your interest rate or reduce your monthly payments.

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First-time homebuyer?

Special financing provides opportunities to first-time buyers. We'll introduce you to mortgage options that have lower down payment requirements, flexible credit rating standards and other financial advantages.

Apply Now

HOW MUCH HOME CAN I AFFORD?

WHAT WILL MY MONTHLY PAYMENT BE?

JULIAN FOSTER

NMLS #1729247

[email protected]

800-968-8628 ext. 2471

JIM ROUSSEAU

NMLS #1576392

[email protected]

800-968-8628 ext. 2304

JUAN SANCHEZ

NMLS #1941284

[email protected]

800-968-8628 ext. 2818

First time home buying workshop

Obtain information about buying a home that can aid in your journey. We'll guide you through all the details during one of our upcoming home-buyer workshops.