Mortgages | Michigan Credit Union Home Loan

We have the mortgage for your dream home.

UMCU offers competitive rates, a wide range of mortgage options and an easy application process. Just as importantly, we can help lead you to a loan that will make you just as happy as your new home.

Mortgage loans available from $10,000 to $750,000
Fixed-rate and adjustable-rate loans available
Competitive rates and closing costs
Refinance existing homes
Free pre-qualification, so you can shop for your home knowing what you can afford
No application fee
No pre-payment penalties on most loans
Make monthly payments with automatic deduction from your checking
Discount points available to lower your interest rate

View Rates

Are you buying?

Acquiring the right loan can make your home purchase more affordable. UMCU offers fixed-rate mortgages ranging from 10 to 30 years. Those looking for lower monthly payments in the early years of home ownership should look into our attractive adjustable-rate mortgage offerings.

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Building a home?

Your dream home's blueprint should include a UMCU loan. We have many years of experience with construction loans. One easy application can give you a loan that covers your costs all the way through the building process.

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Refinancing?

Do you love your current house but not your current mortgage? UMCU is committed to helping you find a solution that better suits your current financial situation. We'll do everything we can to lower your interest rate or reduce your monthly payments.

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First-time homebuyer?

Special financing provides opportunities to first-time buyers. We'll introduce you to mortgage options that have lower down payment requirements, flexible credit rating standards and other financial advantages.

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HOW MUCH HOME CAN I AFFORD?

WHAT WILL MY MONTHLY PAYMENT BE?

Josh Herring

mortgages@umcu.org

734-662-8200 ext. 2180

340 E. Huron St.

Ann Arbor, MI 48104

Rick DeBacker

mortgages@umcu.org

734-662-8200 ext. 2155

333 E. William St.

Ann Arbor, MI 48104

Margaret James

mortgages@umcu.org

734-662-8200 ext. 2157

2601 Plymouth Rd.

Ann Arbor, MI 48105

Pat McCalla

mortgages@umcu.org

734-662-8200 ext. 2153

4440 Jackson Rd.

Ann Arbor, MI 48103

First time homebuying workshop

Obtain information about buying a home that can aid in your journey. We'll guide you through all the details during one of our upcoming home-buyer workshops.