Home Loans

Home Loans

First-time buyers and long-time owners can find the mortgage they need

Get a $1,000 Closing Cost Credit

First-Time Home Buyers

Make your move with this unique loan program.

  • A low 5% down payment
  • Choose repayment periods of 10, 15, 20, or 30 years
  • Receive a $1,000 credit on your closing costs

Adjustable Rate Mortgages

Enjoy lower monthly payments during the first several years.

  • Save money with a reduced initial interest rate
  • Lock in your interest rate for 5, 7, or 10 years
  • Receive a $1,000 credit on your closing costs

Conventional Mortgage Loans

Take advantage of competitive rates and budget confidently.

  • A fixed rate means predictable mortgage payments
  • Choose repayment periods of 10, 15, 20, or 30 years
  • Receive a $1,000 credit on your closing costs

FHA Mortgage Loans

Lower down payments make homeownership possible.

  • Down payments can be as low as 3.50%
  • Flexible credit guidelines
  • Fixed rates available for 15 or 30 years

Jumbo Mortgage Loans

The home loan you need when financing $766,551 or more.

  • Choose from fixed and adjustable rates
  • Qualify with a 10% down payment
  • Terms available up to 30 years

NextEdge® Mortgage

Special loans for first responders, doctors, teachers, and other professionals.

  • Choose terms of 10, 15, 20, or 30 years
  • No Private Mortgage Insurance premiums required
  • We'll help you prequalify for a smoother process

VA Loans

A special mortgage for active duty personnel, veterans, reservists, and some spouses.

  • 100% financing available for most VA loans
  • Rates are fixed for 15 or 30 years
  • No Private Mortgage Insurance premiums required

Credit Union ONE is a full-service financial institution with locations in Southeast Michigan, Davison, MI, Traverse City, MI, and Grand Rapids, MI.

Find your next home loan at Credit Union ONE.

Additional Solutions

Tap into your home's equity to pay down debt.

Access up to 90% of your home's value for as low as 7.378% APR*.

*

APR = Annual Percentage Rate