Heroes Mortgage Loan

A loan designed to give back to those giving back, our Heroes Mortgage recognizes community contributors and helps get you in the home of your dreams. Select professions such as healthcare professionals, educators, social care workers, military personnel, retail workers, and more enjoy perks like zero down payment.

Benefits of a Heroes Mortgage:

No down payment required, only pay the closing costs
For purchase of primary residence only
View our current rates
Available for purchases with at least one borrower employed in one of over 25 qualifying fields including Law Enforcement, Fire Department, Veterans, Day Care, Senior Living, Veterinary, Grocery, Restaurant and Food Service, Construction Trades, Transportation, and Non-Profit 501(c)(3)
See FAQ below for the full list of program-eligible fields and professions

To apply, click the Apply Now button below or contact the Mortgage Department directly at 517-333-2424.

Apply Now

Affiliated Moves

Earn Cash-Back Rewards on the purchase or sale of your home with Affiliated Moves

Apply in the Mobile App

On-the-go looking at houses? With just a few taps of your finger, you can apply for a mortgage from anywhere with our mobile app.

As Low as 0% Down

With as low as 0% down on your mortgage, you'll be able to save the rest of your money for the expenses that come with owning a new home.

Streamline Refinance

If you have an existing MSUFCU mortgage and are looking to lower your rate, and possibly shorten the term of your loan, a Streamline Refinance may suit your needs.

Frequently Asked Questions

This loan may be perfect for you if you are associated with or employed in the following fields:

Fire Department
Law Enforcement (Federal, State, or Local Government, includes corrections officers)
Medical Care Provider, EMT, Paramedic, Nurses, Doctors
Mental Health Care and Social Workers
Active Duty Military, National Guard, Reserves, and Veterans (excludes dishonorable discharge)
Government Employees (Federal, State, and Local)
Teachers, Professors, and Administrators (Schools and Universities, public and private)
Pre-Schools and Day Care Providers
Veterinary and Humane Society Employees
Senior Living Facilities
Funeral Service and Mortuary
Retail, Grocery, and Restaurant Employees
Construction Trades (Builder, HVAC, Electrician, Plumber, etc.)
Transportation (Airline, Rail, Ships, Cargo, Bus, Truck, Taxi, and Rideshare)
Cleaning and Food Service Vendors (such as Aramark, Sysco, Clean Team, Service Master, etc.)
Employees of Non-Profit Charitable Organizations with IRS-designation 501(c)(3)
Credit Union Employees (not limited to MSUFCU)

Also including:

Support staff in these fields directly employed by qualifying employer (such as central dispatch operator, custodial staff, etc.)
Retirees that retired from an eligible employer
Full or part time employees

If you have questions about qualification, contact the Mortgage Department at 517-333-2424.

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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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Equal Housing Opportunity

Federally Insured by NCUA

NMLS: 405297

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Frequently Asked Questions

Who qualifies for the Heroes Loan?