MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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MSU Federal Credit Union | Disclosures | Home Loans

Mortgage & Home Loan Disclosures

Pursuant to Michigan Public Act 660 of 2002


If you obtain this loan, the lender will have a mortgage on your home. You could lose your home, and all money you have invested in it, if you do not meet your obligations under the loan, including making all your payments.

 

Mortgage loans rates and closing costs and fees vary based on many factors, including your particular credit and financial circumstances, your earnings history, the loan-to-value requested, and the type of property that will secure your loan. Higher rates and fees may be applicable depending on the individual circumstances of a particular consumer's application.
 

You should shop around and compare loan rates and fees. This particular loan may have a higher rate and total points and fees than other mortgage loans. You should consider consulting a qualified independent credit counselor or other experienced financial advisor regarding the rate, fees and provisions of this mortgage loan before you proceed. For information on contacting a qualified credit counselor, ask your lender or contact the United States Department of Housing and Urban Developments online or at 800-569-4287 for a list of counselors.
 

Your payments on existing debts contribute to your credit ratings. You should not accept any advice to ignore your regular payments to your existing creditors.

HUD APPROVED COUNSELING CENTERS


DETROIT NON-PROFIT HOUSING CORPORATION
8904 Woodward Avenue, Suite 279
Detroit, MI 48202
Phone: 313-972-1111
Fax: 313-972-1125
E-mail: detroitnon@aol.com


MICHIGAN STATE UNIVERSITY EXTENSION SERVICES
240 Agriculture Hall, MSU Campus
East Lansing, MI 48824
Phone: 517-432-5620
Fax: 517-353-4846
E-mail: costner@msu.edu 


GREENPATH DEBT SOLUTIONS
2111 Woodward Avenue, Suite 906
Detroit, MI 48201
Phone: 877-337-3399
Email: housingdepartment@greenpath.com
Website: www.greenpath.com

GREENPATH DEBT SOLUTIONS

612 S. Creyts Road, Suite C
Lansing, MI 48917
Phone: 877-337-3399
Email: housingdepartment@greenpath.com
Website: www.greenpath.com


MICHIGAN STATE HOUSING DEVELOPMENT AUTHORITY
735 E. Michigan Avenue
Lansing, MI 48909
Phone: 866-946-7432
Email: SaveTheDream@Michigan.gov

Website: www.michigan.gov/mshda



You agree to accept these terms and conditions and are electing to receive electronic correspondence from MSU Federal Credit Union (MSUFCU).

  • You will receive certain MSUFCU correspondence at the email address you provide to us. The correspondence may include, but is not limited to: Account Statement Notices, Visa Statement Notices, IRS Tax Form Notices, and Transaction Notices (non-sufficient fund, Courtesy Pay, and overdraft notices).
  • MSUFCU will accumulate a 36-month, online archive of account and Visa statements and IRS Tax Forms.
  • Your consent for electronic IRS Tax Forms applies to every year the statement is furnished or until you cancel your electronic enrollment.
  • You agree to electronically view any changes in disclosures, election information, or updates to MSUFCU products, services, or fees.
  • Some correspondence that you receive via email may contain links to the MSUFCU website and ComputerLine for additional information. You will need to use your ComputerLine login credentials to access this information.
  • While enrolled in electronic correspondence, you will not receive the same correspondence via the U.S. Postal Service. However, you will continue to receive through the U.S. Postal Service certain correspondence that is currently not available electronically.
  • You must have a valid email address that we will use to send information using unencrypted email. You will remain enrolled in our electronic service(s) as long as you meet the eligibility requirements, or unless you request otherwise. Consecutive undeliverable email attempts may cause MSUFCU to revoke electronic services until a valid email address is provided.
  • At any time, you may cancel enrollment for electronic correspondence by visiting an MSUFCU branch, calling 517-333-2424 or toll-free 800-678-4968, or logging into ComputerLine with your account number and password, then changing your preference to paper statements or account notices. If you currently have a Totally Green Checking account, eStatements and eNotices are required and can not be changed via ComputerLine. You will need to contact MSUFCU directly to be converted to paper statements and Classic Checking.
  • When you cancel your enrollment in a service(s), we will resume mailing all of your correspondence as elected through the U.S. Postal Service at no additional charge to you* and discontinue electronic transmission of these items.
  • If you wish to obtain a paper copy of the emailed correspondence, we will provide it to you at no cost.
  • It is your responsibility to inform us about any change to your name and/or email address. This email address will be used to also communicate with you electronically as necessary. You accept responsibility for the delivery of the electronic correspondence.
  • You have access to the necessary hardware and software to view, print, or otherwise access necessary information to receive electronic communications from us and to access the MSUFCU website. The minimum hardware requirements are IBM-compatible PC, Apple, analog modem or Ethernet for internet connection, monitor, and printer. The minimum software requirements are an operating system that supports a web browser such as Internet Explorer v7.0, an Internet Service Provider (Internet Access), and an email application that supports HTML formatted emails. 

* A $5.00 fee is charged for each overdraft transaction when a paper Transaction Notice is selected.

Revised 07/12