It’s good to have a place to call home.
The white picket fence. The lawn and garage. Owning your own home is the American dream and United Financial is here to help.
Why Choose United Financial Credit Union for Your Mortgage Needs?
We understand that the mortgage process can be overwhelming, and you may have concerns about finding the right home loan, managing payments, mortgage interest rates, and navigating the ever-changing market.
With over 60 years of face-to-face service, our team members are ready to walk you through your new mortgage. Whether it’s your first home, a property loan for a piece of land, a home equity loan, or finally time for your dream vacation home, let’s find the best possible product for you, so all you need to focus on is enjoying your new space.
Peace of Mind
Our competitive home mortgage rates, flexible terms, and range of mortgage options ensure that you’ll find a home loan tailored to your budget and preferences, providing stability and confidence throughout the lending process.
Ongoing Support
Our experienced mortgage team is always available to answer your questions and address any concerns, offering you the assurance that you’re never alone in your journey towards homeownership.
Community Commitment
As a member-owned institution, your financial well-being is our top priority. We work diligently to create a supportive environment where your needs are heard and valued.
Mortgage Types
Buying a home is an exciting milestone—and often the biggest purchase of your life. Wherever you are in the homebuying journey, we’re here to guide you with personalized support every step of the way.
- Fixed Rate options – 5, 10, 15, 20 or 30 year
- Balloon – 66 month, 7 or 10 year
- First Time Homebuyer
- New Purchase Mortgage Loan
- Mortgage Refinancing
- Home Equity or HELOC
- Construction Loans
- Vacant Land Loans
- Rural Development Loans
- FHA & Rural Development Loans
- VA Loans
Let United Financial Credit Union be your trusted partner in achieving your homeownership dream
by finding you the perfect Michigan home loan!
First Time Homebuyer
Buying your first home is both exciting and overwhelming—but we make it simple with expert guidance and personalized support from start to finish.
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Get Pre-Approved – Start by meeting with a lender to understand how much home you can afford and how current mortgage interest rates may impact your monthly payment.
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Explore Loan Options – Learn about first-time homebuyer program with no down payment needed.
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Work with an Expert – Partner with a mortgage specialist who will guide you step by step through approval, closing, and getting your keys.
Contact our Mortgage Department to start your home buying journey today!
Property Types
There are a variety of property types you can have a mortgage for, including:
- Single Family Residence (SFR)
- Multifamily Residence
- Primary Residence
- Secondary Residence
- Vacation Home
- Investment Property
If you are unsure of what category your property falls under, our mortgage experts can help you navigate which mortgage plan is best for you.
Mortgage & Home Equity Loan
First Mortgage
Rates Effective: April 16, 2026
Rates subject to change at any time
(up to 97% financing)
Loan Term
66 Month Baloon
7 Year Balloon
10 year Balloon
5 year Fixed
10 year Fixed
15 year Fixed
20 year Fixed
30 year Fixed
FHA Loan
Rural Development
VA Loan
***The above listed rates are for principal residence only. The above listed payments do not include amounts for taxes and insurance premiums, if applicable, and your actual payment may be higher. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.
The rates are based on a $125,000 loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rates are based on a 60 day lock.
Second Mortgage / Home Equity
(up to 90% financing)
Loan Term
5 year Fixed
10 year Fixed
15 year Fixed
***The above listed payments do not include amounts for taxes and insurance premiums, if applicable, and your actual payment may be higher. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes.
The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.
Construction Loans
Loan Term
66 Month Baloon
7 Year Balloon
10 year Balloon
***Rates are locked at the time of application for 60 days. After 60 days the rate can change.
Investment Property
Loan Term
66 Month Baloon
7 Year Balloon
***Rates are locked at the time of application for 60 days. After 60 days the rate can change.
home equity line of credit
Loan Type
Minimum Loan Amount
Maximum Loan Amount
Maximum Term
APR*
Max rate 14.00%
Fees could reduce earnings
Celebrating our Hometown Heroes
United Financial Credit Union wants to recognize our Hometown Heroes. Let our staff know if you are a Veteran, Active Military or First Responder; EMT, Police, Fire. We would like to thank you for your service and dedication to your communities. Learn more about our program here.
Hometown Heroes Loan Specials:
Receive a 0.25% Rate Discount on your new Consumer Loan**
Receive up to $500 OFF Closing Costs on your New Mortgage***
Apply for a loan today!
Must have some form of identification to show you are a Veteran, Active Military or First Responder.
**Consumer Loan Discount – valid on new loans at the Credit Union, loan must be financed in house, not valid on No Credit Check Loans, Personal LOC or Mortgages
***Mortgage Loan Offer – Some restrictions may apply. See Credit Union for details.
Helpful Financial Resources and Calculators
Mortgage Calculator
Estimate your monthly payments
Home Affordability Calculator
Determine your budget
Loan Comparison Tool
Compare different loan options
Refinancing Calculator
First-Time Homebuyer Guide
Learn the basics of the home buying process
Explore Our Mortgage Loan Options
Fixed-Rate Mortgages
Secure a stable fixed interest rate for your loan term, ensuring predictable monthly payments. Choose from terms ranging from 5 to 30 years.
FHA Mortgage Loans
Ideal for first-time homebuyers, these government-backed loans offer lower down payment requirements, more lenient credit score standards, and higher debt ratio standards. FHA loans are provided through a third-party service provider in coordination with United Financial.
CONTACT US DIRECTLY FOR RATES
VA Mortgage Loans
Eligible veterans, active-duty service members, and their families can access competitive home loan rates and no down payment requirements as a token of gratitude for their service. VA Mortgages are provided through a third-party service provider in coordination with United Financial.
Vacant Land Loans
Get up to 80% financing on a purchase of land! Perfect for getting the land to build your dream home in the future or property investors. Choose from terms of 5 to 15 years.
CONTACT US DIRECTLY FOR RATES
Construction Loans
Used for financing the actual construction of buildings either for your primary or second residential home.
Rural Development Mortgages
Helping first-time buyers obtain homeownership in rural areas with 100% financing and lower home loan rates for eligible properties and borrowers.
Home Equity Loans (HELOC) and Fixed Rate Home Equity Loans
You can borrow against your home’s value to access funds now. Learn more about Home Equity Loans now!
