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Mortgages

We offer customized Mortgages and Home Loans solutions that best fit your home, life and budget.

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Mortgages and home loans are not a one-size-fits-all type of financing.

At Genisys Credit Union we take pride in fitting our mortgage lending and home loan products to the specific needs of each individual. You will not find cookie cutter loans here - just customized home loan solutions, designed by mortgage lenders who understand what best fits your home, life, and budget.

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Home Sweet Home. 

We can help assess your needs and will work with you every step of the way, from designing a product and rate that is best for you, to navigating the sometimes complicated world of buying or building a home.

Mortgage Pre-Qualifications include our free Rate Lock or Lower feature.

Worried About Rising Mortgage Rates?
Introducing mortgage pre-qualifications with our free Rate Lock or Lower feature so you get the best rate available to you. Your rate is locked at the time of pre-qualification, if the rate is lower when you apply for your new home loan, you get the lower rate.* For new purchase mortgage pre-qualifications and available on all ARM and Fixed-Rate products.

 

How should you start?

You have already made the first step by visiting our website. We can help assess your needs and will work with you every step of the way, from designing a product and rate that is best for you, to navigating the sometimes complicated world of buying or building a home. Even better, you will work with a dedicated mortgage consultant that has a website for you to see where your loan is in the process, as well as let you know when we are ready for closing. Your consultant will be with you every step of the way, and always just a phone call or email away.

Our dedicated mortgage lenders and staff are here to make this process easy for you!
For commercial real estate loans and mortgages, visit our Business Mortgages page.

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Purchasing a Home

Choose from a variety of mortgage options to find the right home loan solution for you. Getting into the home of your dreams starts here and our dedicated mortgage lenders are with you every step of the way.

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Construction Loans

For homebuyers who are building a new home or renovating an existing home, we offer an all in one, single close draw program that works with your builder to provide funds (draws) as your home is being built and then automatically converts to a permanent fully amortizing mortgage, over the remainder of the loan for the product chosen.

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First Time Homebuyer Loan

We know how hard buying your first home can be, and we’re here to make it easier on you. With exclusive mortgages & home loans for first time home buyers, as well as a custom tailored program to help see you through the process, Genisys can help make it easier than ever for you to own your first home.

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Refinance Your Home

Have a high rate mortgage that you want to convert to a lower rate or shorter term? Or maybe you want to tap into some of your home’s equity and use the cash for home improvements. Refinancing may be what you need.

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Need Help?

Feel free to reach out to our mortgage experts.

 

or call us at 248-745-3353

Mortgage FAQs

 

*Good for 120 days from the date credit is requested. Must be for the same product and terms as your pre-qualification. Purchase agreement required to lock into your final rate.

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