Celebrating 90 years with $900 off closing costs!*
For 90 years, we’ve been helping Michigan members feel right at home—making the path to homeownership more welcoming, more personal, and more within reach.
Whether you’re buying, refinancing, or just starting to explore your options, we believe homebuying should feel a little more doable and a lot more supported.
Save $900 on closing costs.
Apply between June 1 and August 31, 2026 to take advantage of this opportunity. It's our way of helping make the path to homeownership more welcoming, more personal, and more within reach.
All loans subject to approval. Rates, terms, and conditions are subject to change without notice. Offer valid on first mortgages and the exclusive Zero Down Purchase Mortgage. Home equity loans and lines of credit are excluded from this offer, as are refinances of loans currently financed at Members First Credit Union. Loan applications must be received between June 1 – August 31, 2026 to be eligible. Pre-approvals may be eligible if received during that time and are valid for 90 days. $900 off closing costs will be applied at closing. Property and credit qualifications apply. Offer cannot be combined with other offers. Some exclusions may apply based on program restrictions. See credit union for details.
Making homeownership feel more within reach.
- Receive $900 off closing costs* on an eligible:
- First Mortgage
- Exclusive Zero Down Purchase Mortgage
- Mortgage refinanced from another lender
- Apply by August 31, 2026, to take advantage of this offer
All loans subject to approval. Rates, terms, and conditions are subject to change without notice. Offer valid on first mortgages and the exclusive Zero Down Purchase Mortgage. Home equity loans and lines of credit are excluded from this offer, as are refinances of loans currently financed at Members First Credit Union. Loan applications must be received between June 1 – August 31, 2026 to be eligible. Pre-approvals may be eligible if received during that time and are valid for 90 days. $900 off closing costs will be applied at closing. Property and credit qualifications apply. Offer cannot be combined with other offers. Some exclusions may apply based on program restrictions. See credit union for details.
3 easy steps toward $900 in closing cost savings:
Submit a request to be contacted to schedule an appointment with one of our Mortgage Loan Officers
Using our Home Loan Checklist, compile the information needed to start your loan request
Prepare for your home purchase and understand the mortgage process with our free Homebuyer Course
Exclusive Zero Down Purchase Mortgage
Ready to put down roots – but that down payment is just out of reach and keeping you from realizing your dream home? We want to help you find joy in homeownership with a budget-minded solution. With no down payment required you’ll just cover closing costs and prepaid expenses, making owning your own home possible and within reach.*
Finance up to 100% of the purchase price to get you in your home faster and keep more money in your pocket.
- No down payment required
- No private mortgage insurance (PMI) needed
- Fixed rate mortgage with a variety of term options available
- Conventional financing program
- Gift funds and Seller Concessions permitted**
*All loans subject to credit approval. Our Exclusive Zero Down Purchase Mortgage only available for applicant’s primary residence in Michigan with a maximum loan amount of $300,000. Eligible property types include single family detached homes or manufactured homes that are 10 years old or newer (excludes single-wide homes).Cannot be combined with other offers, including but not limited to the $300 First Time Homebuyer closing cost credit. Terms and Conditions are subject to change. Other restrictions may apply.
**Minimum $1,000 borrower contribution.
| Terms | Interest Rate | APR as low as** | Payment per $1,000 |
|---|---|---|---|
| 30 Year | 6.375% | 6.46% | $6.25 |
| 20 Year | 6.375% | 6.49% | $7.39 |
| 15 Year | 5.875% | 6.02% | $8.38 |
| 10 Year | 6.125% | 6.33% | $11.17 |
| Rural Development | Available upon request | Available upon request | Available upon request |
| Payments do not include taxes and insurance. Actual payments may be higher. **APR = Annual Percentage Rate. Rates featured are listed “as low as” and could be different based on creditworthiness, qualifications and collateral conditions. All rates are subject to change. | |||
| Mortgage Calculator | |||
All loans subject to approval. Rates, terms, and conditions are subject to change without notice. Offer valid on first mortgages and the exclusive Zero Down Purchase Mortgage. Home equity loans and lines of credit are excluded from this offer, as are refinances of loans currently financed at Members First Credit Union. Loan applications must be received between June 1 – August 31, 2026 to be eligible. Pre-approvals may be eligible if received during that time and are valid for 90 days. $900 off closing costs will be applied at closing. Property and credit qualifications apply. Offer cannot be combined with other offers. Some exclusions may apply based on program restrictions. See credit union for details.
