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h-Ope! will guide you home

Putting affordable home ownership within reach for first-time and low-income buyers in Michigan.

You can own a home (for real!)

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!

What is the h-Ope! Affordable Housing program?

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.

h-Ope! Affordable Housing

h-Ope! is here

Like homeownership, affordable housing financing isn’t just a dream—it’s already changing lives for neighbors and Michiganders across the state.

You Are Enuff

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.

The power of h-Ope!

  • No minimum credit score requirements
  • No minimum loan amount
  • Low or no down payment options
  • Unique solutions for home valuations
  • Affordable closing costs
  • A low rate you can count on
  • No private mortgage insurance required 
  • Possible financing for loan costs
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!

You are Enuff™

More From CFCU

Here for your future

First-time home buyers

Our First-Time Homebuyer Guide makes things simple with tips, advice, and good things to know ahead of time—no jargon, just help!

Financial Counseling

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!

Meet our mortgage team

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.

Other mortgage options

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!

Affordable Housing Lenders FAQ

Affordable home loan FAQ

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