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Routing Number: 272479663 Swift Code: MSUCUS44
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Totally Green Checking
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SmartLine Home Equity Loan
SmartLine Home Equity Loan
Congratulations on taking the next
step toward homeownership!
We're here to help you with one of the biggest financial decisions you will make, homeownership. The resources below will help you understand the home-buying process a little better, know what to ask, and help you get the right tools and people on your side.

Choose from:
• 10, 15, 20 and 30-year terms
• A fixed or variable interest rate
• Down payment of as little as 3%

Plus, first time homebuyers will receive $500 off of closing costs and a house-warming gift!

To apply, click the Apply Now button below, in the MSUFCU Mobile app, by phone or at a branch. If you have questions, contact the Mortgage Department directly at 517-333-2424 option 3.
120-Day Pre-Approval
Rate Guarantee
With a preapproval, you'll have a guaranteed rate for 120 days while you look for the perfect home.
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
3% down
With as low as 3% 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.
Mortgage Rate
Lower your rate and possibly shorten the term of your existing MSUFCU mortgage loan.
Whats the difference between a fixed-rate and adjustable-rate mortgage (ARM), and which one should I choose?
The difference between a fixed rate and an adjustable rate mortgage is that, for fixed rates the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down.

With our Conventional Fixed-Rate Mortgage you can select from 10, 15, 20 and 30-year terms with a fixed rate for the length of the loan. A down payment of at least 3% is required.

With our Adjustable-Rate Mortgage your home loan will be at a lower rate for the first 3 to 5 years. Adjustable-Rate Mortgages are perfect for short-term home ownership, large payments towards the loan in the first few years, or for members simply looking to save money with a lower fixed rate for the first 3 to 5 years. Select from 3-1 or 5-1 ARMs for 15- or 30-year terms.
What is a Mortgage Preapproval?
A mortgage pre-approval means your application has received an initial review and approval. In many cases, our online application system can issue an immediate pre-approval. You may be asked to provide some basic financial documentation such as paystubs and W-2's. The loan officer will review your credit report and application to determine your ability to repay, credit worthiness, and the terms requested. A pre-approval letter from your loan officer demonstrates to the real estate agents and the sellers that you are a serious and qualified buyer. Mortgage pre-approvals are good for 120 days from the date of the credit application.

MSUFCU offers a pre-approval rate guarantee of 120 days, ensuring you receive the best rate when you apply or when you have an accepted purchase agreement. Terms and conditions apply.
My offer was accepted now what?
You will need to schedule an inspection, order an appraisal, and request a homeowners insurance quote.

After you have received an accepted offer, determine if you will have a home inspection for the structure and pests, as well as a radon test. After the inspection has been completed we will order the appraisal and title work.

You will also want to begin obtaining homeowners insurance quotes early. This will give you adequate time to compare quotes and determine if your insurance agent will need to visit the property.

View additional information on funds needed for closing and view some helpful reminders.
View All FAQs
Home loans available for owner occupied homes in the following states: Michigan, Arizona, Colorado, Florida, Georgia, Illinois, Indiana, North Carolina, Ohio, Pennsylvania, Virginia, Washington. Currently non-owner-occupied, construction, and manufactured home loans are only available in Michigan.

Loan Payment Example: A primary residence, owner-occupied, single family home in Michigan, with a purchase price of $125,000 with 20% down payment, the mortgage for $100,000 borrowed at a 4.50% interest rate (4.56% APR) for a term of 360 months would require monthly payments of $506.69. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.