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!
Home is where the Belonging is
News
Expanding and Preserving Homeownership in Otsego-Antrim Habitat for Humanity
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.
News
Expanding Access to Affordable Housing in Michigan
CFCU and the Relentless Care Foundation partnered with Samaritas to expand access to affordable housing across Michigan.
News
Advancing Affordable Housing Development with CEDAM
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.
You are Enuff™
Looking to make your Impossible Dreams possible? Your membership can help make it happen!
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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h-Ope! Affordable Housing
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.
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