Mortgage Loans

At Community Focus Federal Credit Union, we’re committed to helping our members achieve the dream of homeownership with affordable mortgage options. Together with our trusted partners at Mortgage Center, we offer exclusive home loan programs with lower rates and fewer fees—designed just for credit union members in the Downriver community.

For over 30 years, Mortgage Center has provided personalized service and flexible financing solutions. Whether you’re a first-time homebuyer, refinancing your current mortgage, or building your dream home, our dedicated team is here to guide you every step of the way.

Home Purchase Loans

Ready to buy a home? We offer:

• Low down payment options

• Flexible repayment terms

• Quick, online pre-approval

Apply online today and start your home-buying journey with confidence.

Refinance Your Mortgage

Take advantage of today’s competitive rates and refinance to:

• Lower your monthly payment

• Shorten your mortgage term

• Use built-up home equity for cash-out needs

A refinance could help you save money and reach your financial goals faster.

Build Your Dream Home

Looking to build new? The One-Time Close Construction Loan makes financing easier by rolling construction and permanent financing into one loan. Call a home loan expert today at 800.353.4449.

First-Time Homebuyer Programs (MSHDA)

We’re proud to offer MSHDA loans for qualified borrowers, making homeownership more affordable with:

• $10,000 down payment assistance (available to many first-time buyers)

• Special $25,000 down payment assistance for first-generation buyers*

• Competitive interest rates

• Borrow up to 97% of your home’s value

* Available until program funds run out. Learn more at Michigan.gov MSHDA.

Why Choose Community Focus FCU & Mortgage Center?

• Exclusive credit union member discounts

• Local support from mortgage experts who know the Downriver market

• Access to competitive rates and flexible terms

• Trusted partnership with Mortgage Center, serving members for over 30 years

Mortgage Loans - Quick FAQs

1. What types of mortgage loans are available?
We offer purchase, refinance, construction loans, and first-time homebuyer assistance programs.

2. Can I qualify if I’m a first-time buyer?
Yes! The MSHDA program provides down payment assistance and flexible credit requirements for new buyers.

3. How do I apply for a mortgage loan?
You can apply directly online or by calling Mortgage Center at 800.353.4449.

4. Why should I go through my credit union instead of a bank?
Credit unions often provide lower rates, fewer fees, and more personalized service compared to traditional banks.

Connect with a Mortgage Lender

Resources

Mortgage Center
NMLS#282701