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Routing Number: 272479663 Swift Code: MSUCUS44
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Totally Green Checking
Totally Green Checking
SmartLine Home Equity Loan
SmartLine Home Equity Loan
Home Loan Options
Knowing where to start with buying or refinancing a home can be confusing. At MSUFCU, we're here for you throughout every step.

Start by applying for a mortgage online, on the MSUFCU Mobile app, or at a branch. If you're preapproved, enjoy searching for your new home with the assurance that your interest rate is guaranteed for 120 days.

We offer first mortgage home loans for owner occupied/vacation 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.
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.


When you find the one, you know. Let us help you get into the home of your dreams. We offer Conventional, Adjustable, and Jumbo Mortgages.

SmartLine Home Equity Loan

SmartLineā„  has the same great features of the home equity line of credit, but now with the option to lock segments of your loan at the current rate - helping you keep track of your spending while saving money.


An MSUFCU Construction Loan allows up to five draws and interest only payments during the draw period (up to nine months from the loan origination date). Choose from a fixed-term or ARM Loan.

Home Improvement

Build a deck, update your bathroom, or renovate your kitchen without breaking your budget. An unsecured MSUFCU Home Improvement Loan offers you the low-cost financing you need.


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.

First Time Home Buyer

Our exclusive first time homebuyer option allows you to choose from 10-, 15-, 20- and 30-year terms with a fixed or variable rate and a down payment of as little as 3% down.

Professional Mortgage Loan

We admire your dedication to taking care of others, and want to recognize that. MSUFCU's Professional Mortgage Loan provides you the financial flexibility you need.

Heroes Mortgage Loan

At MSUFCU we know how hard you work providing for others in the community, we want to recognize your dedication with financial flexibility in your home buying journey.

Home Loan Resources

We're here for you throughout every step of your home loan journey. Here are some additional resources to help.

Do you have home loan calculators?
Yes, we have a variety of calculators to help with mortgage payments, how much you can afford, refinancing, fixed rate vs. variable rate, etc.
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 are the down payment options?
For a conventional mortgage, you have several down payment options. First Time Home Buyers may purchase with a down payment as low as 3% of the purchase price. Members who have owned a home in the past three years may purchase with a down payment as low as 5% of the purchase price. Additionally, members can use gift funds from a qualified donor. Examples of a qualified gift donor include: a fianc?, domestic partner or an immediate relative by blood, marriage, adoption or guardianship.
What fees will I have to pay when I close on my mortgage?
The total cost to close a mortgage loan can vary for a variety of reasons. The average loan costs or what you pay to originate the loan, can range from $3,500 to $5,000. Included in the costs are the origination fee, credit report, flood determination, tax and insurance service, verification of employment, home inspection, appraisal, lender's title insurance, and settlement fees. Additionally, members will have expenses related to their first year of homeowners insurance, prorated property taxes, prepaid interest, and initial escrow funding. Members that need Private Mortgage Insurance (PMI) or elect to escrow property tax and insurance will have prepaid costs related to initial funding of their escrow account. The costs will vary depending on the property value and be based on the actual costs associated with your home purchase. The closing costs will vary based upon your mortgage type and the amount financed.
What should I do if I'm having trouble making a mortgage payment?
No matter the reason you've fallen behind on your mortgage payment, MSUFCU wants to help keep you and your family in your home.

Don't wait! If you are having trouble making your monthly payment, act now. Communication with MSUFCU is very important for us to help you maintain your home. Not making your loan payments and not communicating with your lender about your situation can have serious consequences.
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.