Buying a home is an important milestone for first-time home buyers and experienced ones too. Whether your dream is to purchase a starter home or vacation property, Michigan First Mortgage works with you every step of the way to ensure your experience is seamless from start to finish. We offer mortgage loans for every budget, and can help those with less-than-perfect credit achieve home ownership.

Mortgage Servicing

Michigan First services all new mortgages through Michigan First Mortgage, as well as older mortgages made through the Mortgage Center. Michigan First will directly collect mortgage payments and manage escrow distributions for insurance and taxes. We’re now offering improved and local personalized service that we’ll deliver day in and day out. We are here for you if you have questions or need help with the servicing of your mortgage. Click to view Mortgage Servicing FAQs.

Home Equity Loan

If you need some extra cash to transform your home from lousy to luxurious, we can help you with a home equity loan. Just like a vehicle loan or a mortgage, we give you the cash and you pay us back in installments. For more information, view rates and home equity loan originators here.

Home Equity Line of Credit (HELOC)

Do you need extra money to pay for everyday expenses? Tuition, vacations, paying off high-interest loans – all of this can be yours with a home equity line of credit. It’s a flexible loan, borrowing the money from your house to get you out of a jam or to spruce up your ‘70s kitchen. We have low variable rates, a seven-year time period to access your credit and low closing costs. Need more? We have an interest-only line of credit with a 10 year draw period and 10 year repayment. Plus, forget about hidden fees – we don’t have them! For more information, view rates and home equity loan underwriters here.



Members can now apply for loans by logging into online banking or our mobile app for a more customized experience that populates the information you already have on file with us.

Loan Debit Protection

Michigan First offers the added benefits of loan debt protection insurance, in case something goes wrong and you are unable to make your loan payments.