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Home Refinance

Your property is our priority

If you are looking to lower your payment, increase your cash flow, or make a big purchase a home loan refinance may be perfect for you.


What's in it for you:

  • $500 off closings costs on your refinance*
  • Local mortgage expert to guide you through the process
  • Competitive rates and closing costs
  • Convenient payment options
  • Easy online application

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Conventional Fixed Rate
Lock in your rate for the entire term of the mortgage. Great for just about any buyer!

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Jumbo
Loans for primary residences with the amount exceeding conventional loan limit of $548,250.

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Federal Housing Administration (FHA)
Helping borrowers in less-than-perfect financial situation buy homes.

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Additional Mortgage Options
We offer more options like Rural Development (RD) and Michigan State Housing Development (MSHDA) loans. 

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Mortgage Services tab on Digital Banking mobile device

Manage your loan with eStatus Connect

Use eStatus Connect within your digital banking to make payments and view:
  • Payment due date
  • Payment history
  • Current loan balances
  • Previous and current year-to-date totals
  • Upcoming interest and escrow changes

More about our options

A fixed-rate mortgage comes with an interest rate that won't change for the life of your home loan. Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan making it an attractive option for borrowers who plan to stay in their home for several years.

Benefits and considerations:
  • No interest rate surprises - the interest rate won't change for the life of your loan, protecting you from the possibility of rising interest rates
  • The lowest fixed rate - Conventional mortgages may offer a lower interest rate than other types of fixed-rate loans
  • Refinancing options available - Conventional fixed-rate mortgages are available for refinancing your existing mortgage, too - and 15- and 20-year options are especially popular.

A jumbo loan is for someone financing a home in a highly competitive real estate market, exceeding conventional loan limit of $548,250 for a single-family home in Michigan. Jumbo loans come with different underwriting requirements versus a conventional loan and tax implications (see your tax advisor).
 
This program is designed to help borrowers in less-than-perfect financial situation buy homes.  This program is especially useful for first-time homebuyers who may not have a lot for down payment. This also provides opportunities for refinancing.
 
MSHDA loans are available to first-time homebuyers state-wide and repeat homebuyers in targeted areas. All homebuyers work directly with a participating lender. Household income limits apply and can vary depending on family size and property location. Down payment assistance is available.

  • Sales price limit: $224,500
  • Minimum credit score of 640 required or 660 for multiple-section manufactured homes
A rural development loan is a low interest, fixed-rate loan provided to qualified persons directly by USDA Rural Development. Financing is offered at fixed-rates and terms through a loan from a private financial institution and guaranteed by USDA Rural Development for qualified persons. 
 

Solutions for every aspect of life

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A loan for your every need, location, home improvement, you name it!

Personal Loans

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Looking for a new house? Let us help get you into your dream home.

Home Loans

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Account Details

Mortgage Loan Officers and NMLS Numbers:

Financial Plus Credit Union - NMLS License #586579
Rachelle Kippe - NMLS ID #423273
Brooke Taylor-Huey - NMLS #642942 
Rosemary Boan - NMLS #1531295
Heidi Zuniga - NMLS #518085
Sherrie Dalton - NMLS #629441

*Lender credit towards closing costs is one time only per household. All applications must be received between 10/1/21 and 12/31/21 with loan closed by 1/31/22 in order to qualify for this offer. Credit will be applied at time of closing. Incentive does not apply to home equity or lines of credit.

Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. See Credit Union for full details.