Mortgage Loans

HOME Sweet LOAN! Quick, easy & affordable mortgages

Buying a new home or thinking about refinancing?

Whether you’re buying a starter home or a vacation home – or even thinking about refinancing – DCECU can make getting a mortgage quick, easy and affordable. We offer:

  • Great rates on fixed and adjustable-rate mortgages1
  • Flexible terms
  • 10-day conditional approval2
  • Competitive closing costs
  • Up to $1 million in financing
  • Friendly, local DCECU service for the life of the loan

Ready to apply?

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Your mortgage needs can vary, which is why we offer both fixed- and adjustable-rate options.

With predictable monthly payments for the life of the loan, DCECU’s Fixed Rate Mortgage3 is a great option for many members.

Not planning to stay in a home for a long period of time? Consider an Adjustable-Rate Mortgage (ARM)3,4. This mortgage allows you to make a lower monthly payment and build equity in your home faster than a higher fixed rate mortgage. Our Adjustable-Rate Mortgages have a mix of a fixed rate period and an adjustable-rate period.

In addition to affordable rates and easy terms, some of our mortgage loans are eligible for the potential year-end Member Giveback and Loan Interest Rebate5.

Because our rates are updated daily to give our members access to the most competitive offers, please contact us to get our most current mortgage information.

  1. Membership eligibility required. Loans subject to approval based on creditworthiness of applicants and collateral conditions. Limited to developed, non-agricultural, non-income producing homes located within Michigan. Other loan limitations may apply. ↩︎

  2. Conditional upon completed application and required documentation being provided by the applicant. ↩︎

  3. Purchase of Private Mortgage Insurance (PMI) required for financing above 80%. Some limitations may apply. ↩︎ ↩︎2

  4. After the initial period, your interest rate can change annually based on changes in the LIBOR index. Other terms and conditions may apply. ↩︎

  5. While year-end rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. ↩︎