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Routing Number: 272479663 Swift Code: MSUCUS44
 
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SmartLine Home Equity Loan
SmartLine Home Equity Loan
Refinance Your Mortgage
Refinancing your mortgage pays off your existing loan and replaces it with a mortgage that is more beneficial to you.

• 15 year fixed-rate as low as 4.750% APR
• 30 year fixed-rate as low as 5.625% APR.

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.
Apply in Minutes, 24/7
Start the process when you're ready -- apply in the MSUFCU Mobile App or on the website anytime.
Lower Your Rate
This is a great opportunity to lower your interest rate to save money.
Shorten Your Term
By shortening your term, you are saving the interest you would have paid with the longer term.
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How long will it take to refinance my mortgage?
You can expect the process to take 35-45 days to complete.
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What cost should I anticipate for a mortgage refinance?
It's possible to add the costs associated with getting a new mortgage into the total refinance amount to avoid paying anything out of pocket at closing. However, refinancing in order to lower your payment, get cash, or consolidate your debt may result in a longer loan term or a higher interest rate. That might mean paying more in interest in the long run. Anticipate closing costs, appraisal fee, and prepaids or escrow (where applicable).
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What information can I get before deciding to refinance my mortgage?
An MSUFCU mortgage loan officer can walk you through the process and provide an amortization table on any term you are considering. The amortization table will show what your new payment would be and how that payment is allocated for principal, interest, and escrow (if applicable).
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Home loans available 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

Get FileElectronic Correspondence Disclosure and Agreement Get FileMulti-Featured Loan Agreement
Get FileService Fee Schedule Get FilePrivacy Policy
Get FileDocuSign Disclosure Get FileBorrowers Bill of Rights
Get FileConsumer Caution and Home Ownership Counseling Notice Get FileElectronic Correspondence Disclosure and Agreement
Get FilePayCard Agreement and Disclosure Get FileMortgage Information
Get FileNationwide Mortgage Licensing Systems IDs Get FileHome Mortgage Disclosure Act Notice
Get FileConsumer Handbook on Adjustable-Rate Mortgage