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
Lock in your rate for four months while you shop
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
Lock in your rate for four months while you shop
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

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Save2k Mortgage

Purchase a home with as low as a 3% down payment or refinance up to 97% of your home’s value, and receive a $2,000 credit* on closing costs.

Save up to $2,000 on closing costs and reduce the amount of out-of-pocket money you need to gather for closing. Use the money you save at closing to help purchase furniture or other fixtures when you move in or for your down payment
We offer 15, 20, 30-year fixed rate terms or several Adjustable Rate Mortgages (ARMs) so you can choose the option that fits your specific needs and goals.

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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
Lock in your rate for four months while you shop
Choose from a fixed rate 10-, 15- or 20-year term or a 5/1 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.