MORTGAGES

Home starts here

Buying a home should feel exciting. Our mortgage team is here to make it simple from start to finish. Whether you’re buying your first home, upgrading, or refinancing, we’ll help you find the mortgage that fits, with most loans closing in under 30 days.

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A couple enjoying their home, thanks to a great mortgage from Community Choice Credit Union in Michigan.

House illustration - Community Choice Credit Union

Mortgages made to fit your life

No two homebuyers are the same. We offer a variety of mortgage options designed to meet you where you are.

Buying your first home

Flexible options for first-time homebuyers that can make ownership more accessible.

Moving up or refinancing

Adjust your financing to match your next chapter.

Military service

VA loan options with no down payment for eligible veterans and service members.

Building new construction

Financing designed to support your build from start to finish.

Rural or suburban

Specialized options for eligible locations.

Explore our mortgage options

Let’s run the numbers

Curious what your monthly payment could look like? Our mortgage calculator can help you estimate payments, explore price ranges, and plan with confidence. Try adjusting the numbers to see what works best for you!

Mortgage Calculator

Why members choose Community Choice for their mortgage

Local mortgage experts

You’ll work with real people who know the market and are ready to help.

Competitive rates

Because helping members save matters.

Convenient digital tools

Apply online, upload documents securely, and track your progress any time.

Guidance every step of the way

Questions are welcome here!

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

Adjustable-rate mortgage (ARM)

Best for homebuyers who plan to move or refinance within a few years. An ARM usually starts with a lower interest rate than a fixed-rate mortgage, which can mean lower monthly payments early on.

Federal Housing Administration (FHA) mortgage

Best for first-time homebuyers or buyers with a smaller down payment. FHA loans allow lower down payments and more flexible credit guidelines.

Conventional Mortgage

Best for homebuyers with strong credit and stable income. Conventional loans often offer competitive rates and flexible term options.

VA home loan

Best for eligible veterans, active-duty service members, and some military spouses. VA loans may allow no down payment and competitive interest rates.

Construction loan

Best for buyers building a new home. Construction loans provide funding for land, materials, labor, and other costs while your home is being built.

Rural Development loan

Best for homebuyers purchasing in eligible rural or suburban areas. These loans may offer low or no down payment options for qualified buyers.

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 months’ bank statements/ investment / retirement accounts
Provide a copy of your Driver’s License

The mortgage process

From dream to font door, getting a mortgage doesn’t have to be complicated. Here’s what it typically looks like:

STEP 1:
Explore your options
See what loan programs fit your goals.

STEP 2:
Get pre-approved
Understand how much home you may be able to afford.

STEP 3:
Find the right home
Shop confidently knowing your financing is ready.

STEP 4:
Finalize your loan
We’ll guide you through the final steps.

STEP 5:
Close and celebrate
Get the keys and move in!

Hear from happy members

I have been a Community Choice Credit Union Member for several years. It is the best credit union I have used. Every employee I have worked with from normal banking transactions to loans has been so pleasant and helpful. If you’re considering switching do it! Erin F. 5 stars on Google
Julie was very pleasant and knowledgeable. The loan process was made simple and was done so quickly! We could not have asked for a better experience. Thank you! We have been members of this credit union (starting back when it was Research Federal) for around 50 years, and the customer service has always been exceptional. Thank you Community Choice! Marion M. 5 stars on Google
The manager went above and beyond in helping me resolve my concerns, which I was told could take 24-48 business hours (and this was a Friday), replaced my card and saw to it that all my questions were answered. The patience, time and attention she showed was greatly appreciated.
Tenasia H. 5 stars on Google
I appreciate the “hellos!” when I walk in the door. I have never felt like a bother. I recommend highly for the professionalism along with the home town feel. Missy V. 5 stars on Google

Mortgage resources and education

Helpful articles

Our blogs are full of great insights for everyone who owns a home (or wants to!)

Credit tips

Whether your credit is spotless or less-than-stellar, you’ve got options.

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.

Frequently asked questions (FAQs)

Can I pay my mortgage online?

You can pay your mortgage directly within e‑Banking. Select the Move Money option, then choose Pay My Mortgage and follow the prompts.

Does Community Choice offer mortgage pre‑approvals?

Yes! Mortgage pre‑approvals are available during the application process.

Is there an early payoff or prepayment penalty for home equity loans?

No. You can pay off your home equity loan at any time without penalty.

What documents do I need to apply for a home equity loan?

Please have the following documentation ready:

Verification of income (pay stubs, W‑2, Social Security Benefit Statement, or pension statement)
Last two years of tax returns if you’re self‑employed
Your most recent mortgage statement
Mortgage payment or property tax bill showing taxes are paid

How do I access my home equity loan funds?

Home equity funds are deposited into your Community Choice Checking or Savings account at funding. You can also access funds through e‑Banking or by visiting a member center to request a cashier’s check, money order, or cash. Members can advance funds from their HELOC through e‑Banking to an existing Checking or Savings account.

How long does it take to receive home equity loan funds?

After your loan is approved, funds are usually received within 15–20 business days.

What’s the difference between a HELOC and a fixed‑rate home equity loan?

With a fixed‑rate home equity loan, you receive the funds in a lump sum with a fixed interest rate. A home equity line of credit (HELOC) allows you to borrow multiple times from an available maximum amount and typically has a variable rate.

Do I need an appraisal for a home equity loan?

Whether an appraisal is required depends on factors like loan amount and whether an online valuation can be used. Please call 877.243.2528 for details specific to your loan.

Don’t wait! Make your dream home a reality today!