Home Loans

Home Loans

First-time buyers and long-time owners can find the mortgage they need

Experience the full advantages of becoming a member.

First-Time Home Buyers

Make your move with this unique loan program.

  • A low 5% down payment
  • Choose repayment periods of 10, 15, 20, or 30 years

Adjustable Rate Mortgages

Enjoy lower monthly payments during the first several years.

  • Save money with a reduced initial interest rate
  • Lock in your interest rate for 5, 7, or 10 years

Conventional Mortgage Loans

Take advantage of competitive rates and budget confidently.

  • A fixed rate means predictable mortgage payments
  • Choose repayment periods of 10, 15, 20, or 30 years

FHA Mortgage Loans

Lower down payments make homeownership possible.

  • Down payments can be as low as 3.50%
  • Flexible credit guidelines
  • Fixed rates available for 15 or 30 years

Jumbo Mortgage Loans

The home loan you need when financing $806,501 or more.

  • Choose from fixed and adjustable rates
  • Qualify with as little as 5% down.
  • Terms available up to 30 years

NextEdge® Mortgage

Special loans for first responders, doctors, teachers, and other professionals.

  • Choose terms of 10, 15, 20, or 30 years
  • No Private Mortgage Insurance premiums required
  • We'll help you prequalify for a smoother process

VA Loans

A special mortgage for active duty personnel, veterans, reservists, and some spouses.

  • 100% financing available for most VA loans
  • Rates are fixed for 15 or 30 years
  • No Private Mortgage Insurance premiums required

Vacant Land Loans

Get your land and loan locally.

  • Minimum loan amount of $10,000
  • Land may be stand-alone parcels or located in subdivisions
  • No Loan-Level Pricing Adjustment (LLPA) means lower closing costs

Credit Union ONE is a full-service financial institution with locations in Southeast Michigan, Davison, MI, Traverse City, MI, and Grand Rapids, MI.

Find your next home loan at Credit Union ONE.

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APR = Annual Percentage Rate