Lending needs are unique, so you choose the terms.

Make long-term budgeting easy with a fixed-rate loan.

Stable monthly payments
Choose terms from 10 to 30 years
Save money by refinancing

Experience a conventional fixed-rate mortgage with exceptional benefits

With a Michigan First Fixed-Rate Mortgage, we promise your final monthly payment 10, 20 or 30 years from now will carry the same rate as the first one. Our experienced mortgage team will help you secure a loan to fulfill your homeownership dreams.

  • Choose loan terms from 10 to 30 years
  • Competitive interest rates and low closing costs
  • Minimum 5% down payment for qualified borrowers
  • Primary homes, secondary homes and investment properties are eligible
  • No Private Mortgage Insurance (PMI) with 20% down
  • No pre-payment penalties
  • Refinancing a current loan can potentially reduce monthly payments or eliminate debt faster

Michigan First Mortgage is a division of Michigan First Credit Union, a full-service credit union with branches that are easily accessible around Metro Detroit, Grand Rapids and mid-Michigan.