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Routing Number: 272479663
Swift Code: MSUCUS44
 
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SmartLine Home Equity Loan
SmartLine Home Equity Loan
Heroes Mortgage Loan
We admire your dedication to taking care of others, and want to recognize that. MSUFCU's Heroes Mortgage Loan provides you the financial flexibility you need.

• No down payment required, only pay the closing costs
• For purchase of primary residence only
Rates as low as 7.250% (7.350% APR)
• Available for purchases with at least one borrower employed in one of over 25 qualifying fields including Law Enforcement, Fire Department, Medical Care Providers, EMT's, Education, Military, Government, Social Work, Day Care, Senior Living, Veterinary, Retail, Grocery, Restaurant and Food Service, Construction Trades, Transportation, and Non-Profit 501(c)(3)
• Also includes veterans, retirees, and support staff directly employed in these fields, such as central dispatch and custodial staff, see FAQ below for full program eligibility

To apply, click the Apply Now button below or contact the Mortgage Department directly at 517-333-2424.
Affiliated
Moves
Earn Cash-Back Rewards on the purchase or sale of your home with Affiliated Moves.
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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.
0% Down Payment
With 0% down payment on your mortgage, you'll be able to save the rest of your money for the expenses that come with owning a new home.
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Who qualifies for the Heroes Loan?
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 directly at 517-333-2424
View All FAQs
Get FilePrivacy Policy
Get FileBorrowers Bill of Rights
Get FileConsumer Caution and Home Ownership Counseling Notice Get FileElectronic Correspondence Disclosure and Agreement
Get FileMortgage Information
Get FileNationwide Mortgage Licensing Systems IDs
Get FileHome Mortgage Disclosure Act Notice Get FileConsumer Handbook on Adjustable-Rate Mortgage
Get FileCFPB Your Home Loan Toolkit

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. Currently construction home loans are only available in Michigan. Rates are based on creditworthiness, loan-to-value (LTV), property type, and other factors associated with your loan application, your rate may be higher.

Fixed-Rate Mortgage Loan Payment Example:
A primary residence, owner-occupied, single family home in Michigan, with a purchase price of $250,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $200,000 borrowed at a 6.750% interest rate (6.847% APR) for a term of 360 months would require monthly payments of $1,297.20. 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.

Jumbo Fixed-Rate Mortgage Loan Payment Example:
(Minimum loan amount $766,551): A primary residence, owner-occupied, single family home in Michigan, with a purchase price of $958,189 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $766,551 borrowed at a 7.000% interest rate (7.028% APR) for a term of 360 months would require monthly payments of $5,099.88. 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.

5/1 ARM Mortgage Loan Payment Example:
A primary residence, owner-occupied, single family home in Michigan with a purchase price of $250,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $200,000 borrowed at 6.500% interest rate (7.289% APR) for a term of 360 months would require monthly payments of $1,264.14. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. With a 5/1 ARM, your loan will have an initial fixed-rate period of 60 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Rate is variable after the fixed-rate period and subject to change every year for the remaining life of the loan. 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.

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.