Home Loans


Owning a home is a dream for many people. We can help make that dream happen. We’ve recently partnered with Watson Group Financial to form Michigan First Mortgage, a full service mortgage company specializing in servicing the state of Michigan. We’ve got competitive rates and flexible options. Our goal is to tailor our service to help you get your perfect home with a loan that fits your needs. We’ll also let you know what you need to do before you purchase a home to help you avoid any mishaps. We’re here for you!

Apply for a mortgage by calling Michigan First Mortgage at 855.566.2500.

Mortgage Servicing

Starting Tuesday, August 26, 2014, Michigan First will be collecting our member’s Mortgage Center payments. 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.

Grand Rapids Members – As of April 1, 2015, former GRFCU members with Fannie Mae Loans will continue to be serviced through Neighborhood Mortgage. Neighborhood Mortgage can be reached at (989) 497-1651, Monday – Friday, 8:30 a.m. – 5 p.m. Former GRFCU members with mortgage servicing through Member First Mortgage will continue to be serviced by Member First Mortgage. Member First Mortgage can be reached at (866) 636-1052.

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. View rates

Home equity loan originators

Home Equity Line-of-Credit

Having extra money around when you need it sounds nice, doesn’t it? Tuition, vacations, paying off other 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. Another option is our interest-only line of credit with a 10 year draw period and 10 year repayment. Plus, forget about hidden fees – we don’t have ‘em. View rates

Home equity loan originators

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