Mortgages Fit to Members' Needs

Our Loan Options

We offer a wide range of purchase and refinance loan programs. With low down payment options and flexible credit requirements, we can help your borrowers with their home financing needs!

Adjustable Rate Mortgage (ARM)

ARMs can save borrowers money on their loan in the short term, with a variety of payment options in the future. This product is perfect for those who aren’t planning on staying in their home for a long time.


We can help borrowers build their dream home with our construction-to-permanent financing option! Streamline the construction financing process with one approval, one closing and one set of closing costs.

Fannie Mae HomeReady®

Fannie Mae HomeReady® is designed to meet the needs of low-to-moderate income borrowers, providing flexibility in credit guidelines for those with limited cash resources.

FHA (Federal Housing Administration)

FHA loans offer a low down payment requirement and flexible qualifying standards to help make owning your dream home a reality!

Fixed Rate Mortgages

Fixed Rate mortgages offer consistent payments and protection against higher interest rates; ideal for borrowers who prefer reliable monthly payments for the life of the loan.

Freddie Mac Home Possible®

Freddie Mac Home Possible® offers low down payment options and flexible sources of funds to meet the home financing needs of borrowers.


A Jumbo loan allows for the purchase of a luxury home or investment property with a loan amount that exceeds the limits of conventional financing.

Super Conforming

Super Conforming mortgages are available to borrowers looking to purchase or refinance a home in a high-cost area.

USDA/RD (Rural Development)

USDA/RD loans make owning a home more affordable for those looking to buy or refinance in eligible rural and suburban areas.

VA (Veterans Administration)

The VA loan program is designed for Veterans, spouses and other service members to buy, build, repair or retain a home with favorable loan terms and qualification guidelines.
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Social Proof
What People Are Saying


I can only say, GREAT SERVICE!

“I can only say, GREAT SERVICE!! Our members love it!”

Author Icon Kiki Shollar 3 years ago

Our partnership with MFM improves our member service levels and our balance sheet!

“Working with MFM enables our credit union to deliver to our members affordable, sustainable homeownership opportunities. Our rates and fees are competitive and the service – from application through the life of the loan – is excellent. Our partnership with MFM improves our member service levels and our balance sheet!”

Author Icon Jill Peterson 3 years ago

Together we are a great partnership providing excellent service to members!

“We appreciate our partnership and view all of you, and us, as one team. Together we are a great partnership providing excellent service to members across Michigan! Thank you for keeping us informed, asking for our feedback, and for the focus on continuous automation, efficiency and improvement.”

Author Icon Barb Babington 3 years ago
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