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Home Loans

Partner with one of the best credit unions in Michigan for your home loan needs.

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Our Home Loan Options

Mortgages Home Equity Line of Credit (HELOC) Home Improvement Loan
Mortgages

We'll Help You Get the Keys to Your Forever Home

Purchasing a home is one of the most important financial decisions you'll ever make. A mortgage financed through UMCU comes with competitive rates*, an easy application process, lower closing costs, and just 3.00%* down! We've been a trusted Michigan mortgage lender for decades, and we‘re ready to put our expertise to work for you!

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  • No Application or Pre-Approval Fees
  • Competitive Interest Rates & Down Payments
  • Low Closing Costs & Flexible Terms

Home Loan Rates

Type Term Rate
Mortgage 10 year 5.99% - 6.06%, Fixed Rate
Mortgage 15 year 6.08% - 6.16%, Fixed Rate
Mortgage 20 year 6.58% - 6.67%, Fixed Rate
Mortgage 30 year 6.81% - 7.18%, Fixed Rate
Home Equity Line of Credit 10 year draw, 15 year repayment 7.50% - 13.75%
Home Improvement Loan Up to 84 Months 9.75% - 16.25%
Term Rate
10 year 5.99% - 6.06%, Fixed Rate
15 year 6.08% - 6.16%, Fixed Rate
20 year 6.58% - 6.67%, Fixed Rate
30 year 6.81% - 7.18%, Fixed Rate
Term Rate
10 year draw, 15 year repayment 7.50% - 13.75%
Term Rate
Up to 84 Months 9.75% - 16.25%

Not sure what to choose? Let us help.

UMCU makes it easy to achieve your dream home with flexible options tailored to your needs. Whether you're buying, refinancing, renovating, or building, we have a solution that fits.

Mortgage

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Disclaimer

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 must be located in Michigan. 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.

Loan to Value (LTV)

Optional remote closing of HELOC will come with a $160 fee