MSGCU : Mortgages & Home Equity Loans

get the cash you need to purchase your dream house

We have mortgage products to accommodate your needs!

Whether you are looking to build a new home, buy an already existing home, purchase a vacation home, or refinance what you already have, we have it all!

At Michigan Schools and Government Credit Union we provide a free mortgage analysis by evaluating any Good Faith Estimate to ensure that you are getting the best deal.

At MSGCU you will not be charged any of the following fees:

No Administration Fee
No Application Fee
No Commitment Fee
No Document Preparation Fee
No Funding Fee
No Mortgage Broker Fee
No Origination Fee
No Processing Fee
No Tax Service Fee
No Underwriting Fee
No Wire Transfer Fee
No Escrow Waiver

Apply now for a mortgage loan

Mortgage Calculators

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Insurance

MSGCU's Anti-Redlining Disclosure

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Fixed Rate Mortgages
Step into your dream home with a great mortgage from MSGCU.

Adjustable Rate Mortgages
How about a lower initial rate and monthly payment for your next home?

Balloon Mortgages
Not planning on staying in your home forever? Then check out a Balloon Loan from MSGCU.

Home Equity Loans
Need some extra cash? Apply for a Home Equity Loan at MSGCU.

Flex Mortgages
Have you always wanted to buy your own home but never had enough for a large down payment?

Interest Only Loans
Reduce your monthly payment with our interest only option.

Bridge Loans
Worried about buying a new home and not being able to sell your existing home?

Vacant Land Loans
Purchase parcels of unimproved land or refinance your existing loan.

Community Solutions
Mortgage product specifically designed for full-time teachers, police officers, firefighters, and healthcare workers!

Mortgage FAQs
Answers to the most frequently asked questions about mortgages.

Tools & Resources
A list of educational mortgage websites.

Minimum Down Payment Requirements

Single Family Homes	5%
Condominiums	10%
Investment Properties	30%
Vacant Land	30%

If your down payment is less than 20%, Private Mortgage Insurance (PMI) is required. Private Mortgage Insurance financially guarantees your loan with your mortgage lender and is an insurance generally accepted in the mortgage industry.

Routing number: 272480173

Any Questions? Please contact us or email us at service@msgcu.org

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Your savings federally insured by NCUA to at least $250,000 and backed by the full faith and credit of the United States Government.

We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.