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

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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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Get the process started today.

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