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Home Purchase



Get $1,000 off closing when purchasing your home

We believe in dream homes and making them happen. Your purchase process will be guided by one of our mortgage experts to make your experience as easy as possible from start to finish. Contact us today by calling (810) 244-2134 to get started.

What you get when you finance a mortgage:

  • Limited time only $1,000 off closing costs on home purchases*
  • 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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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 Jumbo, Rural Development (RD), MSHDA, and Vacant Land 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

Everything you need to know about our home loans

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.

Learn More     Apply Online

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. 

When choosing to build, it's common that the land must be purchased before building the home. Vacant Land loans from Financial Plus provide the financing to do just that. 

A Vacant Land loan is a great choice for future home builders who:
  • Have a plan, but may not want to jump right into building a home immediately
  • Have a building project that may be scheduled out a year or so in advance










Solutions for every aspect of life


Find your nearest location and stop in to see us!

Our Locations

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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
Sherrie Dalton - NMLS #629441
Derek Lewis- NMLS #2335785
Layne Noble - NMLS #1866821

*Lender credit towards closing costs is one time only per household and will be applied at time of closing. Offer applies to Financial Plus Credit Union purchase transactions only. Must have purchase agreement dated 9/1/22 through 12/31/22 to qualify. Cannot be combined with any other offer.

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.