Mortgage Center

Save $500 on Your Next Mortgage*

See terms and conditions.

Hurry! Your chance to save big on your next mortgage won’t last long.

Keep more money in your pocket to spend on the things that matter most by taking $500* off closing costs on your next mortgage. This incredible offer is for both purchase and refinance but it’s for a limited-time only. Apply today and take advantage of your chance to save!


Benefits of working with Mortgage Center:

  • Lower rates. Lower fees. Mortgage Center is owned and operated by credit unions and operates with the same philosophy of people helping people. Profits are given back to members in the form of lower rates and lower fees.
  • Incredible service. The home loan experts at Mortgage Center are dedicated to finding you the best home loan for our situation. Check out our Google ratings to see for yourself!
  • Exclusive mortgage products. Mortgage Center can offer home loan products that you can’t elsewhere. From zero down payment options for first-time homebuyers, to maximum cash-out refinance loans to get the most out of the equity in your home, you can find your perfect home loan with Mortgage Center.

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Today's Rates on Conventional Loans

30-Year Fixed-Rate - Purchase
Effective Date: September 30 2022
RateAPRPointsPayment
6.500% 6.637% 0.000 $948.10

15-Year Fixed-Rate - Purchase
Effective Date: September 30 2022
RateAPRPointsPayment
5.750% 6.221% 1.625 $1,245.62

30-Year Fixed-Rate - Refinance
Effective Date: September 30 2022
RateAPRPointsPayment
6.500% 6.631% 0.000 $948.10

15-Year Fixed-Rate - Refinance
Effective Date: September 30 2022
RateAPRPointsPayment
5.750% 6.211% 1.625 $1,245.62

The information provided assumes the purpose of the loan is to refinance an existing single family detached home and will be used as a primary residence. The loan amount is $150,000 and the appraised value is $200,000. For Golden Jumbos, the loan amount is $647,200 and the appraised value is $625,000. For FHA Loans, the loan amount is $150,000 and the appraised value is $152,850. The property is located in Oakland County, Michigan. There is an escrow account for property taxes and homeowners insurance. The rate lock period is 45 days and the assumed credit score is 740 or higher.

The monthly payment amount shown includes only principal and interest. The escrow for property taxes, homeowners insurance, flood and/or mortgage insurance if applicable are not included in the monthly payment amount. Your actual monthly payment will be higher with escrow account included.

The interest rates, APRs and points shown may change throughout the day due to varying market conditions. Rates effective as of September 30 2022. Rates are subject to change. To get more accurate and personalized results, please call 800-353-4449 to talk with a loan expert.

Assumptions

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*Offer for $500 off closing costs is valid until October 3rd, 2022. Mortgage amount must be between $40,000 and $647,200 to be eligible. Mortgage rates current as of 03/01/2022 and assumes a 30-year fixed-rate refinance or purchase of a detached, owner-occupied property with a loan to value ratio of 80% and a credit score of 740. A loan amount of $200,000 at an interest rate of 3.75% and an APR of 3.844% has a payment of $926.23 with 0.375 points due at closing. The payment does not include property taxes or insurances, the actual payment will be higher. Offer applies to Conventional Residential First Mortgages financed with Mortgage Center and excludes Home Equity Loans and Lines of Credit. Journey Federal Credit Union membership is required. Offer may not be combined with any other promotion or discount. The promotion has no cash value. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Other restrictions may apply.

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