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Credit Union ONE holds the key to your ideal mortgage.

Home Mortgages

$2K Closing Cost Credit Mortgage
Save $2,000 on your mortgage closing costs*
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

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.

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

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*

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
Get the process started today.
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