Summary
- Competitively low rates for home purchase or refinance
- Available for primary residence, second homes, vacation homes, or investment properties
- A wide range of financing programs available:
- Fixed rate mortgages
- Non-conforming loans
- And more
- Budget-friendly repayment terms, unique to your situation
- 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
First TIme Home Buyers, FHA, VA, USDA Home Loans
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
FHA
- 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
View Existing TRUE Community Credit Union Mortgage
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
Click here to view your existing TRUE Community mortgage now.
Making a Mortgage Payment on Mobile and Home Branching
You are now able to make your mortgage payments, on our Mobile App and in Home Branching with ease. We'll walk you through it!
Mobile App Process:
- Go to the Mobile App "TRUECCU"
Don't have the Mobile App yet? Click here to learn more about it and to download it today!
- Select "Transfers" then "Transfer Funds"
- Under the "From" drop down, select the account that you want your funds to come from
- Under the "To" drop down, select "MTG Computer Pay"
- Enter the amount to be transferred
- Click "Done" and "Submit"
Home Branching Process:
- Log in to Home Branching
Don't have a Home Branching account yet? Click here to learn more about it and to enroll today!
- Click on the "Transfers" tab
- Enter the amount to be transferred
- Choose the account you would like the funds to be transferred from in the "From this Account" drop down
- Choose "MTG Computer Pay" in the "To this Account" drop down
- Click "Next" and "Confirm Transfer"
You will see the transferred funds in the s0060 - s0069/MTG Computer Pay account. Have no fear, once we have completed our end of day processes, those funds will be applied directly to your mortgage.
Conventional loans must meet Fannie Mae Guidelines; maximum loan amount for conventional loans is $510,400.00, 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.