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Home Loans

Partner with one of the best credit unions in Michigan for your home loan needs.

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Our Home Loan Options

Mortgages Home Equity Line of Credit (HELOC)
Mortgages

Mortgages

Purchasing a home is one of the most important financial decisions you'll ever make. A mortgage financed through UMCU comes with competitive rates*, an easy application process, lower closing costs, and just 3.00%* down! We've been a trusted Michigan mortgage lender for decades, and we're ready to put our expertise to work for you!

Learn More About Mortgages

  • No application fee
  • Competitive rates and closing costs
  • As little as 3% down, great for a First Time Homebuyer

Not sure what to choose? Let us help.

UMCU makes it easy to achieve your dream home with flexible options tailored to your needs. Whether you're buying, refinancing, renovating, or building, we have a solution that fits.

Mortgage
Home Equity Line of Credit
Mortgage
Home Equity Line of Credit

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Insured by NCUA

*Offer of 3.00% down is available for conventional fixed-rate mortgages on single family homes. 97% maximum loan-to-value. Maximum loan amount $766,550. Loan subject to credit approval, normal credit standards apply. Additional limitations, terms and conditions apply and are subject to change without notice. Property insurance required. Flood insurance may be required. Contact UMCU for more information about credit costs and terms. NLMS #712343
**Offer subject to credit approval. Rates vary based on credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.