So it’s time to buy! Or you want to refinance. Whatever the scenario, we can help make your homeownership dream come true.



Learn about purchasing a home, working with a lender, using budget calculators and other home-buying topics.



The Michigan State Housing Development Authority has launched a new program to help homeowners experiencing pandemic-related financial hardships avoid foreclosure and keep their homes. Read more about the MIHAF program here.


Learn more about Home Buying Topics

Key Features

  • Competitive Rates
  • Free Pre-Approval
  • Refinancing Available

After a long day, it's a great feeling to kick your feet up in your own place. A mortgage loan from TRUE Community makes it all possible. We are proud to have the lowest closing costs in Mid Michigan and the low rates to match. Already own a home? Existing homeowners can benefit by refinancing their existing loan with us. You could potentially reduce your monthly payment significantly. 


Begin Your Homebuying Journey

Apply today for a home mortgage!  

Apply Now

Check Your Information

To view your up-to-date Mortgage info, use eStatus Connect! 

See Our Rates

Looking for the numbers? We're proud of our low rates — check them out.

View Rates 

Have Any Questions?

Contact one of our lenders today. 

  • Competitively low rates for a home purchase or refinance
  • Available for a primary residence, second homes, vacation homes, or investment properties
  • A wide range of financing programs available:
    • Fixed rate mortgages
    • Non-conforming loans
    • And more
  • Lowest closing costs in Mid-Michigan area
  • Prompt closing; typically within 4 weeks
  • Online access to your existing mortgage
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Helpful loan advisors with working knowledge of the local real estate market
  • Customized, friendly service from our experienced lending team
  • Local decision-making and processing right here in Mid-Michigan
  • In-house servicing — your mortgage stays at TRUE Community Credit Union

Conventional First Time Home Buyers Program

  • 3% down payment
  • Lower PMI and closing costs
  • Great for low to moderate incomes
  • Credit scores as low as 620


  • Low down payment
  • Expanded credit guidelines
  • Ideal for first time home buyers

VA - Veteran Administration

  • No down payment
  • Lower fees
  • Must be a Veteran or active military

USDA - Rural Development 

  • No down payment
  • Must purchase in qualifying rural areas
  • Reduced mortgage insurance premiums
  • Scores as low as 640

Great news! You may now view your real estate loan information online and at your convenience.

View items like:

  • Mortgage history
  • Current balance
  • Escrow account
  • Payment information
  • And more

View your existing TRUE Community mortgage now.

Check Your Information

To view your up-to-date Mortgage info, use eStatus Connect! 

Register/Log In


1098 Mortage Interest Statement Form Information

We wanted to let you know that you will be receiving our 1098 Mortgage Interest Statment forms in the mail soon.    

You will notice that the forms look different than they have in the past. Please review Form 1098/Mortgage Interest Statement Sample below. 

You will receive them in the mail in an envelope that indicates “Official Tax Document Enclosed.”  We will also have the form available via eStatus Connect

Please Note:

  • The forms will look different (see Statment Sample).
  • The forms will contain all of the necessary information for tax purposes.
  • You will only receive a 1098 Mortgage Interest Statement if you paid $600.00 or more interest last year.
  • A copy of the form will be in eStatus Connect.
  • The forms will still come in an envelope that indicates “Official Tax Document Enclosed.”


To view instructions on using eStatus Connect.


Login to eStatus Connect

View up-to-date Mortgage info and view items like:

  • Mortgage history
  • Current balance
  • Escrow account
  • Payment information
  • 1098 Mortage Interest Statement Form Information


Conventional loans must meet Fannie Mae Guidelines; maximum loan amount for conventional loans is $548,250.00 , Jumbo loans $750,000. All property financed with TRUE Community must be owner occupied, no investment or rental property allowed. Conventional loans over 80% LTV must have Mortgage Insurance and are required to escrow for Mortgage Insurance, Homeowners Insurance and Property Taxes. Rates and APRs may vary depending on loan details, such as loan amount, loan-to-value, your credit, property type, purpose (purchase or refinance with cash-out vs. no cash-out), occupancy (owner occupied or second home) and points paid. Rates are subject to change without notice. You will need to speak to one of our loan officers to obtain a specific quote or to lock a rate.

Borrowers must be of legal age to apply for a loan.