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Credit Union ONE holds the key to your ideal mortgage.

Home Mortgages

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We support homeownership goals as a way to strengthen the Michigan communities we serve. Whether you're buying a home or looking to refinance your current mortgage to save money with our competitive rates, we're eager to work with you and help you find the right fit in a home loan. You'll find exactly what you need when you work with Credit Union ONE located throughout Michigan including meto Detroit, Grand Rapids, Traverse City and beyond.

  • Flexible terms and various mortgage rates to fit your budget and lifestyle
  • Special programs for first-time homebuyers, military veterans and qualified borrowers or various income levels
  • Simple application and quick closing
$2K Closing Cost Credit Mortgage
Save $2,000 on your mortgage closing costs*
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Browse our Home Mortgages:

Conventional Mortgage Loans

Whether you're a first-time homebuyer in Michigan or you already own a home, Credit Union ONE meets your mortgage needs.
 
  • Ideal for home purchases and mortgage refinances
  • Fixed-rate mortgages available in terms of 10, 15, 20 and 30 years*
  • As little as 3% down
  • Budgeting certainty comes from a home loan whose rate is fixed for the term
  • Adjustable-rate mortgages (ARMs) amortized for 30 years offer an initial fixed rate in periods of 3, 5, 7 and 10 years
  • ARMs provide a lower initial rate and monthly payment, which adjusts after the initial fixed rate period


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Jumbo Mortgage Loans

When you're buying a Michigan home in the mid-six figures or refinancing your existing mortgage in that realm, our Jumbo Mortgage rates can make your money go further.
 
  • Ideal for purchases or refinances up to $750,000
  • Borrow up to 80% of your home’s value
  • Choose from a fixed rate 10-, 15- or 20-year term or a 5/1, 5/5, or 3/3 adjustable rate mortgage*
  • Receive personalized service from a dedicated Mortgage Consultant


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FHA Loans

If you meet certain requirements, you can take advantage of Federal Housing Administration (FHA) Loans from Credit Union ONE that help you purchase your first home or possibly allow you to save money on a refinance.
 
  • Offers lower down payments
  • Down payment can include the use of gift funds
  • Competitive interest rates
  • Competitive closing costs
  • More flexible credit and income guidelines
  • Choose from a fixed rate 15- or 30-year term mortgage*


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VA Loans

Credit Union ONE believes everyone deserves a fair chance at homeownership, especially those who serve our country in the military.
 
  • Less strict credit requirements than a conventional mortgage
  • Low or no down payment options available
  • No requirement for mortgage insurance
  • Fixed and adjustable rates available


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MSHDA Loans

We're proud to provide MSHDA Home Loans to low- and moderate-income borrowers, especially first-time homebuyers, to provide the financing needed to reach such an important milestone.
 
  • Qualified homebuyers may be eligible for up to $7500 in down payment assistance
  • Available only to qualified homebuyers and borrowers living in Michigan


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