h-Ope! will guide you home
Putting affordable home ownership within reach for first-time and low-income buyers in Michigan.
Owning a home is a dream most Michiganders share. But high prices, high rates, and an unforgiving economy can make getting an affordable mortgage—or even finding home loans for low income or first-time buyers—seem impossible. Fortunately, here at Community Financial, we’re all about bringing Impossible Dreams to life. So instead of worrying it’ll never happen, have h-Ope!
The h-Ope! Affordable Housing program is how we’re busting down the barriers that keep Michiganders from their dream of homeownership. h-Ope! offers home loans that are tailored to your unique situation, designed to help you find a place to call your own—with realistic payments that work for you.
Like homeownership, affordable housing financing isn’t just a dream—it’s already changing lives for neighbors and Michiganders across the state.
Fixing up your credit score shouldn’t put a pause on your dreams of homeownership. You’re more than your financial situation: you’re our neighbor. You deserve to find a home you love without letting your other goals go! We don’t mind if your credit isn’t perfect—a timely rental history is what you’ll need to help get you into a home that you can call your own.
In just over 10 months, we originated 73 loans for a total of $9.25 million, helping 73 members get into new homes that may have been otherwise out of reach!
Home repair is a critical part of ensuring safe and stable housing for individuals and their families. The Relentless Care Foundation is honored to support Otsego-Antrim Habitat for Humanity with a $10,000 grant to further their critical home repair program.
CFCU and the Relentless Care Foundation partnered with Samaritas to expand access to affordable housing across Michigan.
The Relentless Care Foundation awarded a $20,000 grant to the Community Economy Development Association of Michigan, CEDAM, a nonprofit association that works to build vibrant communities across Michigan, supporting them in their efforts to expand access to affordable housing, drive greater economic growth, and increase household wealth.
Looking to make your Impossible Dreams possible? Your membership can help make it happen!
Our First-Time Homebuyer Guide makes things simple with tips, advice, and good things to know ahead of time—no jargon, just help!
Homeownership starts with a strong financial foundation. Our counseling services and planning tools help you budget, save, and prepare—so you’re ready to buy with confidence!
Buying a home is a big deal, but you don’t have to do it alone. Our mortgage team is here to help with expert advice and real support every step of the way.
From first-time buyers to refinancing and beyond, we have affordable mortgage options to fit your life. Explore our full range of services and find the right fit for you!
Because we’ve been there too, we're here to help in the dark moments as well as the light.
The first program of its kind in the country, we’re working with Cancer Care Advocate Andy Janning to create compassionate and personalized support for those battling cancer.
Compassionate, expert guidance to help you handle the complexities that come up after losing a loved one.
The h-Ope! Affordable Housing program is our way of breaking down the common barriers that keep people from homeownership. Whether you have rate or down payment concerns, low credit, or even timeline issues–helping you find a place to call your own is what we’re putting first.
We’re actively working to pivot the trajectories of economic abuse survivors across the state of Michigan toward a better, brighter future. If you, or a loved one, are facing economic abuse, Choose The Bear™. We can help. Content Warning: Messages about sexual violence and IPV/DV