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Home Loans

A home is your biggest asset. A Vibe Home Loan is the key to making the most of it.

The Dream Loans for Your Dream Home

Apply Now

Mortgages

Our local Real Estate Lending Specialists will help you choose the mortgage that’s right for you. We want to help you put down roots, so we have low fixed or variable interest rates with terms from 5 to 30 years and special programs (VA, FHA, HomeReady®, Jumbo, Construction, Bridge, etc.) to meet your unique needs.

Begin your search for your place to call home knowing what you can afford. Peace of mind and buying power is fast and free with a Vibe Pre-Approval.

Plus, get $100 off your closing costs just for having a Vibe Checking Account.

VA, FHA, and Properties Not in Michigan

We also partner with Member First Mortgage (MFM) to bring our members' a wide range of mortgage programs, competitive rates, and excellent service! Through our partnership with MFM, a Credit Union owned mortgage lender, we offer a variety of home loan options to fit your unique needs and goals, including VA, FHA, and loans for properties outside of Michigan.

Contact Amanda Everett at 248.829.1324 to learn more about these programs and to apply.

Home Equity Loans

As your home appreciates and you pay down your first mortgage, you create something powerful: Equity. Tap into your home’s equity with no annual fee.

Equity 1st Loan: Equity 1st Loan is ideal for members looking to refinance their existing first mortgage. Mortgage paid off? You can take advantage of these low rates and use your equity for home improvements, vacations, RV or vehicle purchases.

Benefits include:
• Flexible terms up to 20 years and low monthly payments
• Total cost as low as $300

Home Equity Term Loan: Use the equity from your biggest asset to borrow money for home improvements, consolidate debt, or make another large purchase. Low fixed rates, flexible terms up to 20 years, and set payments make a home equity term loan easy to fit your budget.

Home Equity Line of Credit (HELOC): Get ready, get set, go! When you want to have money ready and waiting, a variable rate line of credit is perfect to have in place.

Apply Now

Home Loan Calculators

What if? Get your answer by crunching numbers with our Home Loan Calculators.

Resources

From application to closing and beyond, we want you to be comfortable with your borrowing decision. Learn more and become an expert borrower.

Loan Program FAQs
Your Application
Your Property
Closing and Beyond
Glossary of Terms

NMLS ID: 405039, 149532

 

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