HOME LOANS

At Financial Plus, our home loan experts provide high-touch service and are dedicated to making your mortgage process quick and easy. We take time to consult with you and give you the best experience on your purchase or refinance from start to finish.

Finance your home with us and enjoy:

• Easy online application
• Competitive rates
• Convenient online tools to make payments and view loan status


Start your application online by clicking the button below or call us at (810) 244-2134 to schedule an appointment to go over your options today.

Mortgage

LIMITED TIME OFFER:

RECEIVE $500 OFF CLOSING COSTS

on your home purchase made before June 30, 2021.*
 

click to apply now       View current rates       View Mortgage Calculator
Conventional Fixed-Rate
 For a fixed-rate mortgage, the Annual Percentage Rate (APR) is fixed for the entire term of the mortgage. The monthly payments will pay the mortgage down to zero by the end of the mortgage term. We offer varying terms for purchase or refinance.
Jumbo Loan
A loan where the mortgage exceeds the conventional loan limit of $510,400 for a single-family home in Michigan. Jumbo mortgages at Financial Plus are available for primary residences only, and are offered through fixed-rate terms of 15, 20, and 30 years.
 
Michigan State House Development Authority (MSHDA)
The MI Home Loan, combined with the Michigan Down Payment loan, is designed to make it a little easier for qualified homebuyers. With the Michigan Down Payment, qualified homebuyers can receive a loan of up to $7,500.
Rural Development (RD)
This program helps lenders work with low and moderate income households living in rural area. Eligible applicants may purchase, build, rehabilitate or improve a dwelling in an eligible rural area with 100% financing and no money down.  


Mortgage tab


Additional Home Loan Tools
 Home Budget Calculator

Educational Videos

Additional Resources 


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
Cindy Sullivan - NMLS #629448

 
*Lender credit towards closing costs is one time only per household. All applications must be received between 3/1/21 and 6/30/21 in order to qualify for this offer. Offer applies to purchases only and does not apply to refinances. Credit will be applied at time of closing. Incentive applies to all loans offered through Financial Plus Credit Union (Conventional fixed-rate, Jumbo, Rural Development (RD), and Michigan State Housing Development Authority (MSHDA) loans).

Equal housing opportunity. 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. NMLS License #586579.