Find the perfect mortgage to match your dream home with UMCU. With competitive rates, flexible terms, and as little as 3% down*, we make homeownership more accessible — whether you're a first-time buyer or looking to refinance.
With something as important as a mortgage, you need a financial institution you can trust. UMCU is one of the top mortgage lenders in Michigan. From our wide range of mortgage options to our easy application process, we help you purchase, refinance, or build the home of your dreams.
For out-of-state, government, and construction loans, please visit our trusted mortgage partner, Member First Mortgage.
Everyone's financial situation is unique. That's why UMCU offers fixed-rate mortgages from 10 - 30 years, so you can decide the best payment option for your budget.
Your dream home's blueprint should include a construction loan, provided by our trusted partner Member First Mortgage. We have many years of experience with construction loans. One easy application can give you a loan that covers your costs all the way through the building process.
Do you love your current house but not your current mortgage or kitchen? UMCU is committed to helping you find a solution that better suits your current financial situation. We are here to help!
We'll introduce you to mortgage options that have lower down payment requirements, low closing costs, flexible credit rating standards, and other financial advantages.
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 $806,550. Loan subject to credit approval, normal credit standards apply. Additional limitations, terms and conditions apply and are subject to change without notice. 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.
At UMCU, we believe in supporting organizations and events that keep our communities strong. Every one of our team members is committed to making a difference every day.
