$500 Off Closing Costs

First-Time Homebuyer Mortgage

Curious What Options Fit Your Budget?

Find Your Perfect Balance with our Calculators

MSUFCU helps you build your goals, brick by brick.

Construction Loans

Your Home Search Guide

Starting your home search can be overwhelming. Home Loans Powered by MSUFCU guides you every step of the way! Whether you’re looking to apply tomorrow or months from now, knowing the steps to homeownership will help you prepare for the mortgage process.

I'm Starting to Look

The first steps on your home-buying journey.

Buying > Renting

Learn about the perks of homeownership over renting an apartment.

Credit - How Does it Affect My Home Loan?

Learn how credit is determined, how to improve credit, and how it effects the rate of your home loan.

Is It Too Early to Start my Home Search?

Learn about why preparation is beneficial before jumping into homeownership.

What Loan is Best for Me?

Browse through the different loan types we offer and determine which loan is best for you.

Paperwork 101: What You'll Need

Make sure everything you need is in order for a smooth process.

I'm Ready to Apply

Start your home loan application now — simple, fast, and guided every step of the way.

What Do I Need to Prepare?

Make sure everything you need is in order for a smooth process.

MSUFCU now offers the Affiliated Affinity Real Estate Benefits Program, providing a cost-free, value-packed experience for members nationwide. Whether you're buying or selling a home and don’t have an established realtor, this service is designed to help.

 

I Want to Access my Home's Equity

Use your home’s equity to refinance, renovate, or fund what’s next — with flexible options that fit your life.

Looking to Make the Most of Your Current Mortgage?

Looking to make a renovation, start a home improvement project, or pay off other high-interest debt? A SmartLineSM Home Equity Line of Credit (HELOC) loan allows you to put your home’s equity to work for you.

Refinancing Options

Save money by refinancing your home loan at a lower rate. Plus, a shorter term will lower the amount of interest you pay over the course of your loan.

Loan Types

Browse through the different loan types we offer and determine which loan is best for you.

Current Rates

Check out the current rates for our mortgage products.

I'm Upgrading my Mortgage

Privacy Notice, Consumer Caution and Home Ownership Counseling Notice, Electronic Correspondence Disclosure and Agreement, Mortgage Information, Nationwide Mortgage Licensing Systems IDs, Home Mortgage Disclosure Act Notice, Consumer Handbook on Adjustable-Rate Mortgage, CFPB Your Home Loan Toolkit, Reconsideration of Value

Home loans available for homes in the following states: Michigan, Alabama, Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Minnesota, Missouri, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Virginia, Washington, and Wisconsin. Construction home loans are available in Michigan and Illinois. Rates are based on creditworthiness, loan-to-value (LTV), property type, and other factors associated with your loan application, your rate may be higher.

APR is annual percentage rate, and is subject to change. Your rate will depend on your credit score and the term. The loans subject to credit approval.

 

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All products and services available on this website are available at all MSUFCU full-service locations.
Equal Housing Opportunity
Equal Housing Opportunity
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NMLS: 405297
 
MSU Federal Credit Union savings are Federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government. APR = Annual Percentage Rate. APY = Annual Percentage Yield. View our Privacy Notice and read our disclaimer regarding links to other sites.