Mortgages

Not everyone’s a mortgage expert, so chances are you have questions about the process of getting a mortgage. We know it can be intimidating. That’s why we have a team of people dedicated to guiding you through the steps and making it less overwhelming.

We’ll help you decide which program best fits your needs, so you have time to focus on the decisions that really matter, like blue or white paint? Carpet, tile, or hardwood? We offer conventional fixed-rate mortgages in 10 to 30 year terms, and government financing for FHA, HUD, construction, jumbo, rural development loans and more.** Click here for current rates.

Let us make getting a mortgage as painless as possible. Apply online, or call our mortgage department direct at (810) 244-2134 or toll free at (800) 748-0451 to get started.


As a credit union member, you have the chance to save money on your car and home insurance. Click here to learn more.

*APR = Annual Percentage Rate. 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
**These loans available to qualified members through our partnership with Member First Mortgage. NMLS License # 149532

Home Equity Loans*

If you have equity in your home, you might be able to use it to your advantage. Ask us about our home equity loans and lines of credit. Here are some features:

Home Equity Loans - Fixed:

No annual fee.

No early repayment fee.
Non-refundable $500 origination fee.

Home Equity Line of Credit:

No annual fee.

No early repayment fee.

Appraisal fee reimbursed at closing.

Transfer funds to your account via Online Banking.


Ask us how a home equity loan might be a great solution for your financing need. Apply at any of our branch locations. Check here for current rates.

Apply Now

*If refinanced within 24 months of closing, all fees associated with the loan is the responsibility of the member.

HOME MORTGAGE BASICS

If you're planning on buying a home, figuring out the type of mortgage that's right for you is a big decision. Home loans come in many different forms. The choice that's right for you will depend on your income, credit history, and a wide range of other factors. Take a look at some of the more common mortgage types listed below.

MORTGAGE TYPES

  • Fixed-Rate

  • Jumbo

  • USDA

  • Adjustable Rate Mortgage (ARM)

  • VA

  • FHA (Federal Housing Administration)

  • Home Equity Loan


We know it’s a lot to take in, which is why we have a team of mortgage experts on stand-by ready to answer any questions you may have. Call us at 810-244-2134 to schedule an appointment to go over your options today!

Additional Resources

Mortgage Loan Officers and NMLS Numbers:

Financial Plus Credit Union - NMLS License #586579
Jim Buick - NMLS #629440
Lisa Schwark - NMLS #786579
Becky S. Caton - NMLS #646373
Michael Furst - NMLS #983312
Brooke Taylor-Huey - NMLS #642942
Rosemary Boan - NMLS #1531295
Krista Graham - NMLS #1736623