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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.

Financial Planning
We'll help you put together a strategy that can solidify your financial standing.

Financing your homeownership dreams

If you're a first-time homebuyer in metro Detroit, Traverse City, Grand Rapids, Ann Arbor or anywhere else in Michigan, getting the right first mortgage can be an intimidating task. If you already own a home, you're on the lookout for a better mortgage 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.

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

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

What are the benefits of a VA loan? 

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

What is the first thing I should do if I'm a first-time home buyer?

Our team of licensed and experienced professionals will combine their experience with your goals to find a unique financing solutions that fits. Get a fast pre-approval when you contact us today so you know your budget before beginning your home search.

If I've owned a home before, will I be able to qualify for first-time home loan programs?

Yes! If you haven't owned a home in 3 years or more, you may still qualify for this loan.

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.

Do I need a Realtor to buy my first house?

If you are looking to purchase your first home, we highly recommend contacting a Realtor. Having a Realtor working for you and not the seller will ensure you are the top priority. Your Realtor will guide you every step of the way on what to do next so that you get the home of your dreams. If you want to start with a Realtor who has proven results with members, ask our Mortgage Lenders for recommendations.

How do I check the status of my mortgage application? 

Status can be checked by calling your loan representative or 800-451-4292.

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.

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.

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. 

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.

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.