Conventional & Government Mortgages
We finance Fannie Mae, Freddie Mac, and Rural Development mortgages with all loans being serviced by the credit union. This means you will see your loan on your monthly statement and will make your payments directly to us. Both purchases and refinances are available. In addition, we also finance FHA & VA mortgages.
Some of the Benefits of a Fannie Mae Mortgage include:
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Fixed rate mortgages available from 10 to 30 years
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Many loans qualify with only 5% down (first time home buyers may qualify with as little as 3% down)
- Loans up to $806,500
- Escrow available
- Low rates, low closing costs
- We'll help guide you through the process
Apply Online Current Fannie Mae Rates
Some of the Benefits of a Freddie Mac Mortgage include:
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Fixed rate mortgages available from 15 to 30 years
- Many loans qualify with only 5% down (first time home buyers may qualify with as little as 3% down)
- Loans up to $806,500
- Escrow available
- Low rates, low closing costs
- Qualification requirements a little less stringent than Fannie Mae
- We'll help guide you through the process
Apply Online Current Freddie Mac Rates
Some of the Benefits of a Rural Development Mortgage include:
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Fixed rate mortgages are available with a 30 year term
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0% down
- Ability to roll in closing costs based on home value
- Escrow required
- Low rates, low closing costs
- We'll help guide you through the process
Apply Online Current Rural Development Rates
Some of the Benefits of a FHA Mortgage include:
- Flexible guidelines
- 3.5% down payment
- 15 & 30 year fixed options
Some of the Benefits of a VA Mortgage include:
- Low or no down payment
- No mortgage insurance
- For active and retired military
Contact Chris Williams (NMLS# 1822457) at 269-228-0073 for more information or to schedule a mortgage application appointment. Credit Union NMLS# 747642.
Mortgage Payoff Calculator Refinance Calculator
HomeReady $2,500 Down Payment Assistance
With a low down payment and expanded financing abilities, HomeReady offers an ideal mortgage solution for borrowers whether they're first-time or repeat buyers. To address some of the barriers to entry for very low-income purchase (VLIP) borrowers, we are implementing a new $2,500 credit for use towards down payment and closing costs.
Key Features
- Borrowers with a qualifying income of less than or equal to 50% of the applicable area median income (AMI) of the subject property's location are eligible.
- The full amount of the $2,500 credit must be provided directly to the borrower through the transaction, such as being applied to down payment and closing costs, including escrows and mortgage insurance premiums.
- Additional Requirements
Effective Dates
The HomeReady very low income purchase credit will be effective for whole loans purchased ("Purchase Ready" status in Loan Delivery) on or after March 1, 2024, to February 28, 2025.
