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Mortgages

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 NameNMLS ID
John Rupert806632
Gina Sutton740585
Emily Sullivan465233
Jennifer Gil2137334

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.