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Find the perfect fit, whether you're a first-time buyer or refinancing.

Conventional Mortgage Loans

Flexible options to fit
all budgets and lifestyles

Come home to a better mortgage.

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

Financing your homeownership dreams

If you're a first-time homebuyer in Michigan, getting the right home loan can be an intimidating task. If you already own a home, you're on the lookout for a better rate to save money on a refinance. Whatever stage you're in, Credit Union ONE meets your needs. Your plans aren't cookie-cutter, so don't trust a cookie-cutter lender for your conventional mortgage. We take time to listen to you before suggesting a mortgage that fits your budget and lifestyle.

Get your Conventional Mortgage today.
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Related resources
Find all the helpful tools you need in our Mortgage Center.


Credit Union ONE is owner-partner of Member First Mortgage.

Do you notarize? 

Credit Union ONE offers Notary services for members and non-members at no charge. Please visit any of our branch locations for this service. A notary public is an officer commissioned by the Michigan Secretary of State to serve as an unbiased and impartial witness. The most common function of the notary is to prevent fraud by attesting to the identity of a person signing a document. Notarization on a document certifies that the person whose signature is entered on the document personally appeared before the notary, established his or her identity, and personally signed the document in the presence of the notary.

Do you offer student loans? 

Credit Union ONE partnered with Student Choice to process student loans and we can help you apply for loans and find additional information online. 

What is the difference between a traditional mortgage and an FHA?

Our Home Mortgages page explains the details of our various mortgage options.

How do I get a document notarized?

Credit Union ONE offers Notary services for members and non-members at no charge. Please visit any of our branch locations for this service. A notary public is an officer commissioned by the Michigan Secretary of State to serve as an unbiased and impartial witness. The most common function of the notary is to prevent fraud by attesting to the identity of a person signing a document. Notarization on a document certifies that the person whose signature is entered on the document personally appeared before the notary, established his or her identity, and personally signed the document in the presence of the notary.

What is Student Choice?

Credit Union ONE partnered with Student Choice to process student loans and we can help you apply for loans and find additional information online. 

How do I apply for a student loan? 

Credit Union ONE partnered with Student Choice to process student loans and we can help you apply for loans and find additional information online. 

What are the benefits of a VA loan? 

Our VA Loans page  provides all the details about this option.

How do I use your Skip-A-Pay feature?
 

Members can skip a payment on qualified loans in good standing twice every 12 months for a $30 fee per occurrence. Payments cannot be skipped in consecutive months.  The loan must be open a minimum of 121 days to be eligible. Read more about Skip-A-Pay.

What is the difference between a secured loan and an unsecured loan?
 

A car loan and mortgage are the most common types of secured loan. An unsecured loan is not protected by any collateral. If you default on the loan, the lender can't automatically take your property. The most common types of unsecured loan are credit cards, student loans, and personal loans.

How do I apply for a mortgage? 

Apply online, in person at any Credit Union ONE Branch or call 800-451-4292 and speak to a Mortgage Loan Originator. Status can be checked by calling your loan representative or 800-451-4292.

How do I refinance my mortgage? 

Apply online, in person at any Credit Union ONE Branch or call 800-451-4292 and speak to a Mortgage Loan Originator. Status can be checked by calling your loan representative or 800-451-4292.

How do I check the status of my loan application? 

Apply online, in person at any Credit Union ONE Branch or call 800-451-4292 and speak to a Mortgage Loan Originator. Status can be checked by calling your loan representative or 800-451-4292.

How do I check the status of my mortgage application? 

Apply online, in person at any Credit Union ONE Branch or call 800-451-4292 and speak to a Mortgage Loan Originator. Status can be checked by calling your loan representative or 800-451-4292.

How do I apply for a (personal, auto, home equity) loan? 

Apply online, in person at any Credit Union ONE Branch or call 800-451-4292.

How does Skip-a-Pay work?
 

Our Skip-a-Pay page provides all the details about this service.

Why is my loan past due?

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

How will this affect my credit report? 

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

What are your current mortgage rates?
 

Our Rates page provides the most updated rates we're offering. 

I didn't make my payment because I did not have a coupon?

Call the Member Contact Center at 800-451-4292 or visit a branch. There is a $5.00 fee for a set of 36 coupons.

How can I get more loan coupons?

Call the Member Contact Center at 800-451-4292 or visit a branch. There is a $5.00 fee for a set of 36 coupons.

How do I close a loan with Credit Union ONE?

Loan closing can be done at any Credit Union ONE branch. Some loans can also be closed electronically.

Can I close a loan online? 

Loan closing can be done at any Credit Union ONE branch. Some loans can also be closed electronically.

Where do I find information on my loan title?

Michigan is not a title holding state. Titles that are issued in the state of Michigan will be mailed to you once the Credit Union ONE lien is placed on it. If  a vehicle is titled out of state and that state is a title holding state, then the members title will be held at Credit Union ONE until the loan is paid in full.

Why is my loan past due?

Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch. If many cases, you might have sent in a loan payment but it was short a few cents. Your loan will become past due if the difference is not made up before the next due date and a late fee will be assessed. 

I made my payment and I was charged a late fee. Why?

Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch. If many cases, you might have sent in a loan payment but it was short a few cents. Your loan will become past due if the difference is not made up before the next due date and a late fee will be assessed. 

What is the interest rate on my loan?

Our current interest rates are quoted using the APY. Credit Union ONE does not refinance our own loans for a lower interest rate. Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch for more information.

Can I get a lower interest rate?

Our current interest rates are quoted using the APY. Credit Union ONE does not refinance our own loans for a lower interest rate. Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch for more information.

Where can I find my loan guarantee letter? 

Please visit a branch location of call the Member Contact Center at 800-451-4292 for more information.

How can I obtain a letter of guarantee?

Please visit a branch location of call the Member Contact Center at 800-451-4292 for more information.

I am having a problem making my payments?

The Member Contact Center Loan Servicing Agents can assist members with changing the due date on their loan that may better for their budget. Credit Union ONE does not refinance our own loans however we can look into lowering the interest rate on the loan if the member qualifies. If members are facing financial difficulties, we can assist with starting the Loan Modification process.

How can I change the due date of my loan payments?

The Member Contact Center Loan Servicing Agents can assist members with changing the due date on their loan that may better for their budget. Credit Union ONE does not refinance our own loans however we can look into lowering the interest rate on the loan if the member qualifies. If members are facing financial difficulties, we can assist with starting the Loan Modification process.

Can I refinance my loan for a lesser interest rate?

The Member Contact Center Loan Servicing Agents can assist members with changing the due date on their loan that may better for their budget. Credit Union ONE does not refinance our own loans however we can look into lowering the interest rate on the loan if the member qualifies. If members are facing financial difficulties, we can assist with starting the Loan Modification process.

Can I apply for a loan online? 
 

You can apply for a variety of secured and unsecured loans online. You can also apply at any of our branch locations or by calling us at (800) 451-4292.

How can I make a loan payment online?

You can make payments to your Credit Union ONE loans through Online Banking. Just click the Pay Bills link once you have logged in and follow the instructions.