Mortgages
Find the right mortgage loan for your next move!
Mortgage options designed for you
Whether you're buying your first home, moving up, or refinancing, Community Financial Credit Union offers flexible mortgage solutions tailored to your goals. We’re here to guide you through every step of the journey—from pre-approval to closing—with expert advice and great rates.
With options including 0% down payment and our h-Ope!™ mortgage, we're committed to making homeownership possible.
Savings For You
Current promotions
Shopping for a house? We just so happen to be running some promotions to help get you into the home of your dreams!
Apply online for a mortgage
Start Your Journey
Take the first step toward homeownership with Community Financial's easy online mortgage application. Whether you're buying your first home, moving up, or refinancing, our secure and streamlined application process makes it simple to get started. Plus, our mortgage team is always available to answer questions and guide you through the process.
Apply online
Ready to take the next step? Apply for your mortgage online quickly and securely in minutes.
Mortgage Resources
Helpful links
Explore tools and resources to guide your mortgage journey. From first-time buyer programs to personalized financial counseling, we’re here to support every step of your path to homeownership.
Affordable Housing
Affordable Housing
Specialty Mortgage Programs
Specialty programs
Explore unique financing options tailored to meet a variety of homebuying needs. From zero down payment programs and bridge loans to vacant land financing, these specialty mortgage solutions are designed to help you move forward—no matter where you are in your journey.
- Submit an offer without a contingency to close on your existing home first.
- Pairs well with a Bridge Loan to use the equity in your existing home as a down payment.
- Must have good credit and a minimum of 20% equity in the existing home.
- Available on the financing of primary residences only.
- Submit an offer without a contingency to close on your existing home first.
- Pairs well with a Bridge Loan to use the equity in your existing home as a down payment.
- Must have good credit and a minimum of 20% equity in the existing home.
- Available on the financing of primary residences only.
Mortgage Products
More Mortgage Offerings
Looking for more ways to make the most of your home’s value? Explore additional mortgage solutions including refinancing, home equity loans, and HELOCs—each designed to help you save, borrow smarter, or invest in what matters most.
Mortgage Tools
Tools & checklists
Frequently Asked Questions
Mortgage FAQ
Have questions about the mortgage process? We’ve got answers. From pre-approval to closing, explore common questions to help you feel confident every step of the way.
Apply today
Take the first step toward homeownership with our easy online mortgage application. Plus, our mortgage team is always available to answer questions and guide you through the process.
Current Mortgage Holders
Need help with an existing mortgage?
If you need to chat about your current CFCU mortgage, our mortgage servicing team is here for you!
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.
What We Do
Making Impossible Dreams come true on the daily.
Wherever you are on your financial journey, you Belong here.
