Mortgages

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If you are purchasing a home or already have a mortgage that you would like to refinance, give us a call. We’ve saved members thousands of dollars when they refinanced their mortgage with us.

Call us today to Refinance your Mortgage!

Buying a new home? Let us help you with a low interest mortgage. We have fixed rate programs, adjustable rates, FHA/VA programs, or balloon programs. We also have a program for first time home buyers. Mortgage rates change daily, so give us a call at 231-726-4871 for current rates.

We offer the following types of mortgages:

Pre-approvals for purchases
FHA
VA
Conventional

Mortgage Checklist

Proof of Income (2 recent paystubs dated within 30 days)
Social Security Award Letter or Bank Statement
Pension Award Letter or Bank Statement
2021 W2’s & 2021 Signed Tax Returns (2 years tax returns if self-employed)
Recent Mortgage Statement
Homeowners Insurance Declaration Page
Appraisal Fee Authorization Signed & Payment
Copies of Payoffs (mortgages, credit cards, loans, etc.)

National Mortgage Licensing System
Route 31 Credit Union Lending Team

MLO Name	NMLS ID
John Rupert	806632
Gina Schillaci	740585
Emily Sullivan	465233
Jennifer Gil	2137334

Right at Home

For financial advice for those with a mortgage or considering applying for one, check out Right at Home: Financial Answers for Home Ownership.

Phone: (231) 726-4871

Routing Number: 272483170

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Equal Housing Lender

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.