MORTGAGES

Mortgage support from start to finish

Most loans close in under 30 days, with clear guidance and steady updates from start to finish.

Two people sitting on the ground of their new home

Clear timelines, real communication

From application to closing, most loans are completed in under 30 days. You’ll get steady updates, direct access to your lending expert, and clear next steps at every stage. No wondering. No guessing. When you’re making a big move, that kind of clarity matters.

Save on closing costs

We’ll cover up to $500 in closing costs, putting more money back in your pocket.*

Quick application

We save you time with an easy application process, pre-approval options, with most loans completed in less than 30 days.

Flexible terms and loan options

We offer a wide range of mortgage terms and rate options customized for your needs.

Competitive rates

Big bank rates with local, personal service to ensure the numbers work for your budget.

Find the right mortgage for your next move

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Adjustable-rate mortgage (ARM)

Benefit from a lower interest rate compared to a fixed-rate mortgage, allowing you to save money on interest and providing a lower monthly payment.

Federal Housing Administration (FHA) mortgage

A great option for first-time buyers, an FHA can offer low down payments, competitive interest rates, and easier qualification.

Conventional Mortgage

Start your homeownership journey with competitive rates and a streamlined application process.

VA home loan

Eligible veterans and service members can take advantage of no down payment and competitive interest rates.

Construction loan

Build your dream home with secure funding to cover the costs of land, building materials, labor, and permits.

Rural Development loan

Enjoy the charm of a slower pace of life with specialized financing for homebuyers in rural and suburban areas.

Explore our mortgage requirements

Estimate your mortgage payment

Use our mortgage calculator to explore monthly payments based on purchase price, rate, and down payment.

Mortgage Calculator

With you every step of the way

Our mortgage consultants are here to guide you from the loan application to the closing. Have questions? We have answers. Have concerns? We have solutions. Talk to our team today.
Call us at 877.243.2528, ext. 1260 or make an appointment to speak with a lender in person.

Make an appointment

Jon Cousins - Community Choice Credit Union

Keri Fall - Community Choice Credit Union

No surprises, just the facts

Before you shop, know what you qualify for and get an estimated monthly payment based on purchase price.

Get an estimate

Home Loan Resources

Applying for a home loan

We make it easy to get your foot in the door with a quick application process. Make sure to have these key items handy when you apply:

3-5 Paystubs
2 most recent W2s
Most recent two month’s bank statements/ investment / retirement accounts
Provide a copy of your Driver’s License

Homeowners insurance

Community Choice partners with a range of trusted insurance providers to meet the needs of your home protection.

Understanding taxes, escrow, and PMI

Learn how to manage your financial responsibilities to ensure a smooth homeownership experience.

Hear from happy members

“At a time when everything seems to be either on-line or done remotely, you made getting a mortgage through Community Choice a very personal and pleasurable experience. What a welcome and wonderful change to the way things are so often done these days. Thank you so much for all the professionalism and courtesy that you showed to me throughout the process and know that it was appreciated more than you could ever know. I will certainly not hesitate to recommend you and Community Choice to others for their banking and mortgage needs.” Terry B.
“I wanted to say thank you for all your help with my mortgage, with your guidance through the whole process. It was greatly appreciated. Thank you to you and Community Choice for being outstanding!” Joe C.

Building better community, one member at a time

We know that when our members are living well and enjoying healthier finances, our communities are better off. That’s why we offer smart solutions and great banking benefits.

Become a member

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Stay local with 20+ member centers in Michigan and 30K+ fee-free ATMs nationwide

*Please call to speak with our mortgage consultants if you would like more details before applying. Credit will be applied at time of closing. All loans subject to approval. This offer is not redeemable for cash. Offer subject to change at any time without notice. NMLS ID# 451369.