Our fixed rate mortgages provide a fixed rate and payment for the term of the loan.

• Loan amounts up to $726,200
• Terms: 30 year, 20 year, 15 year, and 10 year

Our Adjustable Rate Mortgages have a set rate for a fixed time period, and then periodically adjust during the remaining term of the loan.

• 1/1 ARM
• 3/1 ARM
• 5/1 ARM
• 7/1 ARM

Loans available both during construction & after completion

• 12 months interest only
• Combine land & construction together up to 95% LTV

A USDA loan is special type of a zero down payment mortgage that eligible homebuyers in rural and suburban areas can get through the USDA Loan Program, which is backed by the United States Department of Agriculture (USDA).

• Fixed rate terms
• No down payment required
• Flexible qualification standards
• Partial closing costs may be financed
• Eligible repairs and improvements may be financed

• Down payments as low as 5%
• Add in rehab costs to the purchase price
• All repairs completed after closing

Neighborhood Improvement Loans (NIP) grant help current homeowners with needed repairs to their home.

• For homebuyers at or below 80% area median income
• Grants available up to $7,500

The Fannie Mae HomeReady Mortgage is designed for home buyers who don’t fall into typical lending approval guidelines.

• Down payments as low as 3%
• Co-borrowers are not required to live in the home
• Convenient online homeowner education
• Purchase and refinance products available

The Freddie Mac Home Possible Mortgage is designed for first time’ homebuyers, move-up borrowers and retirees.

• Down payments as low as 3%
• Flexible term options
• Convenient online homeowner education
• Purchase and refinance products available

The Homeownership Opportunity Program (HOP) grant helps first-time homebuyers with down payment and closing cost assistance. Up to $5,000 per household may be requested.

• For first time homebuyers at or below 80% area median income
• Borrowers must contribute a minimum of $1,000 towards the purchase of the home

The Michigan State Housing Development Authority provides programs for first time home buyers and repeat homebuyers in Michigan.

• Down payment assistance up to $10,000
• Convenient homeowner education
• Household income limits do apply

A Home Equity Loan is similar to a traditional loan, that uses your home as collateral. You receive a lump sum of money at the time of closing, and you make regular payments over a set repayment period

• Regular payments of principal and interest until loan maturity of payoff
• Fixed interest rate
• Amortization up to 15 years

A Home Equity Line of Credit (HELOC) offers continuous access to funds, using your home as collateral. Unlike a conventional loan, a HELOC is a revolving line of credit, allowing you to borrow multiple times.

• Regular payments of interest with the option to reduce the principal at your discretion
• Variable interest rate
• Interest only charged when there is an outstanding balance on the Line of Credit