Get moving toward the money you need

Purchasing to refinancing. First-time buyer to longtime owner. We cater to Michigan families with mortgage options designed for every stage of the journey.


You pick the perfect Michigan home and we'll make sure you end up with a loan that's just right for you. With fixed- and adjustable-rate options of all sizes, we're available to guide you step-by-step during the application process.


We realize that mortgages aren’t one-size-fits-all. So if you have questions, we're here to answer them. Our consultants will meet with you to listen to your needs and discuss which of our home loan options best fit your plans.

Come home to a better mortgage.

We structure our rates to benefit you, so you get more for your money — whether you're purchasing a new home or refinancing your current home loan.

For a limited time, get up to $1,120* off of closing costs!

The way we're different makes a difference.

We believe that every conversation we have with you — every day — matters. That’s why our mortgage team members are friendly, helpful, and ready to listen. While other institutions are more concerned with their bottom line, we are interested in being an advocate and a trusted advisor — solving problems and providing smart, sensible solutions that fit your particular home loan needs.

We understand that great rates and low fees are high priorities when choosing a financial partner. As a not-for-profit credit union, we are able to structure our mortgage products to benefit you, not a group of outside investors. And since anyone living or working in lower Michigan is welcome to apply for a home loan, stop by and let us show you the MSGCU difference, first-hand.

*The up to $1,120 incentive includes 1) waiver of $295 processing fee and a $450 underwriting fee for all mortgages applied for between 5/1/2019 and 8/31/2019, and 2) coupon toward a home appraisal (up to $375) when attending a free Homebuyers Workshop or meeting with a Mortgage Consultant prior to closing. Appraisal coupon credit will be applied at the time of closing.