Community Financial Credit Union
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Mortgage Services

Community Financial's mortgage experts are local lenders with years of experience helping Michigan homeowners into the "right" mortgage. We offer very competitive rates, affordable low fees, and a variety of terms to make the buying or refinancing process easier.

No matter what your mortgage needs, from primary residences and second homes to investment properties and vacant land, we can help you finance single-family residences, condominiums, factory-built homes or multi-unit properties. We can also help lower your current mortgage payments by refinancing your home at a lower rate. Schedule an appointment today to learn more about our mortgage options.

Get Preapproved for Free!

Show realtors and home sellers you’re a serious shopper by getting pre-approved for our mortgage. You'll also find out how much house you can afford before you start house-hunting and have an idea of what your monthly payments will be.  Speak to a mortgage specialist today.


What’s the right mortgage for you? Perhaps you are looking for a conventional 15 or 30 year fixed mortgage, or maybe you need a program that offers the lowest possible payment such as an adjustable rate mortgage?

Community Financial’s team of local, experienced mortgage experts can make the mortgage process easier. We’ll answer all of your questions on the purchase process, and help find the right mortgage option for you.

Fixed Rate

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  • Our most popular mortgage loan! 
  • If you’re planning on living in your home for more than five years and are looking for stable, predictable payments, then this may be your best option.
  • Competitive rates for 15, 20 and 30-year terms. Plus, our jumbo loans allow us to handle loans over $424,100.

Adjustable Rate

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  • Consider an ARM if you’re confident that your income will increase steadily or if you plan to move in a few years.
  • Initial low rate is fixed for 1, 3, 5 or 7 years.
  • A maximum loan to value of 95%.
  • Annual re-pricing based on the 1-year CMT + 2.75% and a 30-year term.
  • Annual rate cap: 2.0%, lifetime cap: 6.0%.
  • Your annual percentage rate (APR) varies based on your loan amount and finance charges. ARM rates and points are subject to change without notice.

FHA Mortgages
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  • Low down payment and closing costs.
  • Insured by the Federal Housing Administration.
  • Relaxed credit score requirements.

Rural Development

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  • Program allows low to moderate income families in rural areas the ability to purchase their primary residence.
  • Offer zero down payment financing, significantly reducing the amount of money needed to purchase a home. 
  • Lower credit score requirements.
About Community Financial

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Community Financial Credit Union, P.O. Box 8050, Plymouth, Michigan 48170-8050

Proudly serving the checking, savings & loan needs of these Michigan communities:
Atlanta | Canton | Gaylord | Hillman | Lewiston | Livonia | Northville | Novi |Plymouth

© Community Financial 2017

Additional coverage provided by ESI.
Equal Housing Lender
Federally insured by NCUA.
Federally insured by NCUA.

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