DCECU offers Conventional Fixed Rate First Mortgages, Balloon First Mortgages and Home Equity Loans on primary Michigan residences. In addition, DCECU offers Conventional Fixed Rate First Mortgages and Balloon First Mortgages on secondary Michigan residences. We do not charge points, origination or other credit union fees on our home loans. DCECU has helped make the dream of home ownership come true for many members with our affordable rates, easy terms and low down payment options. Our Home Equity Line of Credit Loans give you the borrowing power to take advantage of your home's equity to finance major expenses. We'll also gladly refinance mortgage loans from other lenders!