Purchase Loans

Adjustable-Rate Mortgages

Take advantage of lower initial interest rates with our exclusive Adjustable-Rate Mortgage option.

Purchase Loans

Asset Advantage

Use your assets to help qualify for a home loan.

Purchase Loans

Barndominiums

Financing a barndominium is easier than you think with Mortgage Center.

Purchase Loans

Best Score Family Helper Loan

Leverage a family member’s strong credit to help you qualify for better loan terms.

Purchase Loans

Conventional Mortgage Options

A flexible home loan with great rates and terms. Very popular for homebuyers.

Purchase Loans

Doctor Loan

Tailored mortgage program for doctors and medical professionals with flexible terms.

Purchase Loans

Fannie & Freddie Mac Fixed-Rate

Competitive fixed rates backed by Fannie Mae or Freddie Mac — predictable payments for the life of the loan.

Purchase Loans

FHA

Government-backed home loan with flexible credit guidelines and low down payment.

Purchase Loans

Hobby Farm Loan

Mortgage financing for homes with small-scale farming or hobby farm use.

Purchase Loans

Homeready® & Home Possible®

Lower down payments and PMI costs, with more flexibility to fund the purchase of your dream home.

Purchase Loans

Home Renovation Loan

Purchase and renovate your home with one convenient mortgage solution.

Purchase Loans

Jumbo Mortgage

Financing for high-value homes with flexible terms and competitive jumbo mortgage rates.

Purchase Loans

New Start Loan

Second-chance mortgage program for buyers rebuilding their financial future.

Purchase Loans

Non-Warrantable Condo

Mortgage solutions for condos that expand upon traditional lending guidelines.

Purchase Loans

One-Time Close Construction

Finance your build and permanent mortgage with one simple, streamlined construction loan.

Purchase Loans

PMI Saver Loan

Lower or eliminate private mortgage insurance (PMI) costs for greater monthly savings.

Purchase Loans

Right Choice Loan

Low down payment financing for experienced buyers.

Purchase Loans

Veteran Loan

An exclusive VA home loan option for veterans, active-duty service members and eligible military families.

Purchase Loans

Zero Down Payment

Purchase with no down payment and make homeownership more accessible. Perfect for First-time homebuyers.

Refinance Loans

FHA

Simplify your refinance with reduced paperwork.

Refinance Loans

Hobby Farm Loan

Refinance your hobby farm property with flexible loan options designed for unique homes with agricultural use.

Refinance Loans

Max Cash-Out Refinance

Get the most from your home’s equity with a maximum cash-out refinance. Use funds for home improvements, debt consolidation, or major life expenses.

Refinance Loans

Non-Warrantable Condo

Refinance your non-warrantable condo with flexible mortgage options that work for properties outside traditional lending guidelines.

Refinance Loans

One-Time Close Construction

This option can fund construction costs when you already own the land. This option can also pay off an existing land loan, if applicable.

Refinance Loans

PMI Saver Loan

Lower or eliminate PMI costs with our PMI Saver refinance option.

Refinance Loans

Right Choice Loan

Ideal for borrowers who would like expanded qualifying options.

Refinance Loans

Veteran Loan

Saves you money if you’re active military or a veteran by allowing you to put no money down and avoid the cost of mortgage insurance.

Home Equity Loans

Home equity loans are a great way to gain some extra cash for home improvements, debt consolidation, or other big purchases you’re looking to make. Like any loan, it’s important to understand how a home equity loan works before getting one.

Category:

Member Information

Home Buying
Posted on November 10, 2025

Understanding the 15-Day Grace Period for Credit Dings: What It Means for Your Mortgage Journey 

When you’re applying for a mortgage, your credit score matters — but so does how it’s calculated. One of the lesser-known, yet incredibly helpful, features of the credit scoring system is the 15-day grace period for credit inquiries. If you’re shopping for a mortgage, this little window can make a big difference.  Let’s break it down simply, so you can make smart moves without stressing over every […]
By Jason Patterson
Member Information
Posted on January 6, 2025

End of year tax documents are now available!

Your 2025 year-end tax forms are available to view online! Here’s the scoop: Electronic Copies: These are now available through eStatus. If you’re not already signed up to receive your end of year tax forms electronically, click here to see how to get started. Paper Copies: Prefer a physical copy? No problem! Those will be mailed out by January 31st. Thanks for being […]
By Mortgage Center
Member Information
Posted on January 20, 2023

Mortgage Center’s President & CEO, Ken Martin Announces Upcoming Retirement

Southfield, Michigan – December 15, 2022 – Mortgage Center’s President/CEO Ken Martin has announced plans to retire after 9 years leading the Credit Union Service Organization. Martin said he plans to step down in early 2023. Martin started working in the mortgage industry as a File Room Clerk in 1982. Since then, he has spent […]
By Mortgage Center
Member Information
Posted on January 20, 2023

Joshua Thompson steps in as new CEO of Mortgage Center, Ken Martin retires

Southfield, Michigan – January 20, 2023 – Mortgage Center announces current Chief Operating Officer, Joshua Thompson, as the new President and CEO of the Michigan-based Credit Union Service Organization. Thompson will succeed current President and CEO, Ken Martin as he retires on February 1, 2023. Thompson has been with Mortgage Center for nearly ten years joining […]
By Mortgage Center
Member Information
Posted on August 3, 2020

Sending Sensitive Information and Email Security

Email has been an essential form of communication for years. Practically everyone has an email address and with the mobile technology that exists today, accessing your email has never been easier. Unfortunately, it’s also easier for hackers to access your email accounts too. Through convincing phishing scams and viruses, information breaches are not uncommon in […]
By Mortgage Center
Member Information
Posted on March 13, 2020

Help for Homeowners in Trouble

We’re here to help If you’re feeling overwhelmed by your mortgage payment, our Member Solutions Specialists may be able to help. As your mortgage lender, we will do everything in our power to help you keep your home. Get started today by giving us a call at 800-353-4449. Government Assistance for Michigan Homeowners Not all loans […]
By Mortgage Center
Member Information
Posted on March 11, 2020

Sign up to receive E-Statements Today

Start receiving E-Statements with just a few simple steps: Watch the video below, or follow the written instructions provided, to enroll your account into receiving E-Statements. It takes just minutes to do: Log into your Mortgage Center online account. If it’s been awhile, don’t forget the “Forgot Username” or “Forgot Password” links under the orange login button) • Not set up […]
By Mortgage Center
Member Information
Posted on March 11, 2020

Forms

Servicing Forms: Automatic Payments (ACH Payments): Re-occurring automatic payments can be set up to withdraw from your designated account. You can find the enrollment form below or call 800-353-4449 and we would be happy to assist you. Auto Pay Enrollment Form Auto Pay Change Form Borrower Assistance Forms: If you are not sure which form to fill […]
By Mortgage Center