Fixed-Rate Mortgage

Time to make your move. Let us help put the pieces in place.

Buying a home is one of the biggest milestones in your life. At Michigan Schools and Government Credit Union, we simplify the process with flexible terms and personalized service.

• Interest Rate Lock and Shop: Mortgage interest rates can shift frequently based on housing market activity, sometimes changing several times throughout the day. MSGCU offers the option to lock in your rate for up to 90 days, giving you added confidence while searching for the right home.
• True Preapproval: A True Preapproval takes a full look at your finances, including your credit history, so sellers know you’re prepared to make a serious offer. It also helps speed up the process from offer to closing day. Even better, most True Preapprovals can be completed in as little as one to two hours.
• Local Mortgage Consultants: Get step-by-step guidance and free consultations from experts who live and work in your community.
• No Down Payment Mortgage For First-Time Homebuyers: With MSGCU by your side, homeownership could be closer than you think without spending years saving for a down payment. Purchasing your first home may feel like a big step, which is why the process is built around finding a mortgage that fits your needs. In some cases, your monthly payment could be similar to or even lower than your current rent.
• Refinancing Options: Already have a mortgage? Talk to us about lowering your rate with a fixed-rate refinance.

We're happy to offer advice about how to finance your new home. And if questions arise months or years down the line? Rest assured that from your first payment until your last, you'll work with our qualified team for any of your mortgage needs.

Why choose an MSGCU fixed-rate home loan?

Michigan Schools and Government Credit Union is more than just a lender; we’re your financial partner. Whether you are a first-time homebuyer or looking to upgrade, our qualified team is here to offer advice from your first payment until your last.

Unlike big banks, our decisions are made locally, and our focus is on providing the best value to our members in Michigan and Florida.