Mortgages | Michigan Credit Union Home Loan

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, with as little as 3%* down.

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

No application fee
Competitive rates and closing costs
As little as 3% down, great for a First Time Homebuyer
Free pre-approval, so you can shop for your home knowing what you can afford
Flexible terms are available to fit your needs, 10,15, 20, and 30-year fixed rates**
Conventional and Jumbo loans Refinance existing homes
Discount points available to lower your interest rate
Make monthly payments with automatic deduction from your checking

Apply Today!

Insured by NCUA
*Offer of 3.00% down is available for conventional fixed-rate mortgages on single family homes. 97% maximum loan-to-value. Maximum loan amount $766,550. Loan subject to credit approval, normal credit standards apply. Additional limitations, terms and conditions apply and are subject to change without notice. Property insurance required. Flood insurance may be required. Contact UMCU for more information about credit costs and terms. NLMS #712343

**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.

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.

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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.

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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.