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Text Content

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Pages within: Buy
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BUY

A seamless homebuying experience from start to finish

 * Loan Officers
 * Down Payment Assistance Programs


FIXED-RATE MORTGAGES

Make homeownership more achievable with down payments as low as 3.5% and relaxed
credit requirements. Whether you're a first-time buyer or recovering from
financial setbacks, this loan provides flexible options, including both fixed
and adjustable rates.
Learn More


ADJUSTABLE-RATE MORTGAGES

With a Michigan First VA Loan, veterans and active-duty service members can
purchase a home with no down payment. This loan offers flexible options like no
PMI, competitive rates, and both fixed or adjustable terms, making homeownership
easier for those who've served.
Learn More


FHA LOANS

Make homeownership more achievable with down payments as low as 3.5% and relaxed
credit requirements. Whether you're a first-time buyer or recovering from
financial setbacks, this loan provides flexible options, including both fixed
and adjustable rates.
Learn More


VA LOANS

With a Michigan First VA Loan, veterans and active-duty service members can
purchase a home with no down payment. This loan offers flexible options like no
PMI, competitive rates, and both fixed or adjustable terms, making homeownership
easier for those who've served.
Learn More


USDA RURAL LOANS

Explore spacious living with a Michigan First USDA Guaranteed Rural Housing
Loan, designed for those seeking homes outside the city. This loan requires low
or no down payment and can be used for purchasing, renovating, or repairing a
residence in eligible rural areas.
Learn More


TURNING POINT HOME LOANS

We believe that everyone deserves a chance at homeownership, even in tough
times. Our Turning Point Home Loans are designed for those who have faced
financial challenges but are determined to find their place. With down payments
as low as 10% and no PMI, we’re here to help you turn your dream of owning a
home into a reality.
Learn More


JUMBO LOANS

Whether you’re expanding your family or dreaming of a vacation getaway, our
Jumbo Loans provide the financing you need for homes beyond the ordinary. With
loan amounts up to $2 million and down payments as low as 10%, we’re here to
help you make your dream home a reality with flexible options that suit your
lifestyle.
Learn More


BRIDGE LOANS

Our Bridge Loans are designed to give you peace of mind, allowing you to secure
your new home even if your current one hasn’t sold yet. With competitive rates
and low closing costs, this temporary loan helps keep your finances on track
while you transition to your next chapter.
Learn More


PURCHASE MONEY SECOND LOANS

We understand that coming up with a 20% down payment can be challenging. Our
Purchase Money Second Loans allow you to increase your down payment and avoid
costly Private Mortgage Insurance (PMI). By closing this second loan alongside
your first mortgage, you can enjoy competitive rates and a maximum total
loan-to-value ratio of 95%, making homeownership more affordable.
Learn More


CONSTRUCTION DRAW LOANS

Our construction loans simplify the process by allowing you to combine your
construction and permanent mortgage into a single loan, saving you time and
money with just one closing. Enjoy interest-only payments during construction,
and whether you're purchasing a new lot or building on your existing land, we
can help you utilize your land value for equity.
Learn More

First Name


 * First Name is a required field

Last Name


 * Last Name is a required field

Phone Number


 * Phone Number is a required field

Email Address


 * Email Address is a required field

Comments


Loan Officer


Enter the name of the loan officer you'd like to speak with. If no preference,
please leave blank.
reCAPTCHA



 * reCAPTCHA is a required field




DOWNPAYMENT ASSISTANCE PROGRAMS

Michigan First Mortgage partners with many programs and lenders to offer Down
Payment Assistance (DPA) to potential homebuyers. Speak with your loan officer
today to determine what programs you may qualify for.
 * HomeBoost provides qualified families may receive up to $25,000 that can be
   used for a down payment, closing cost assistance, and counseling fees.
 * The Detroit Down Payment Assistance (DPA) provides qualified families grants
   up to $25,000 for down payments, pre-paid including interest rate buy down,
   closing costs, and principal reduction when purchasing a home using a
   purchase mortgage or a purchase renovation mortgage*.
 * Michigan State Housing Development Authority (MSHDA) loans come with cash
   that can be put towards a down payment, closing costs or some types of
   insurance.



The grants are available to homebuyers who have not held an interest in a
property for the last three years. All grant recipients must have household
incomes of less than 300% of the National Poverty Level issued annually by the
Department of Health and Human Services. The purchased home must be the
principal resident for three years after the grant is awarded or the grant must
be repaid.


RESOURCES AT YOUR FINGERTIPS

 * Loan Officers
 * Calculators
 * 365 Live

Homebuying Seminars
Virtual seminars to bring your dreams of homeownership to life.
View Seminars
MSHDA Loans
First-time buyers can qualify for mortgage assistance.
Learn More
FHA Loans
Low down payments can open the door for many homebuyers.
Learn More
Locations
Convenient access to branches and ATMs.
Find a Location
Routing Number: 272078365
NMLS ID: 493687
Phone: 800.664.3828
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Michigan First Credit Union provides personal banking, business
banking, mortgage solutions, and insurance services to members across Michigan.
We have credit union branches and mortgage offices conveniently
located throughout Metro Detroit, Grand Rapids, and the Lansing area.

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