Mortgage Loans

Home Dreams, Realized

Public Service Credit Union and Member First Mortgage, LLC (MFM) have teamed up to provide affordable mortgage solutions and excellent service to our members. 

• Wide range of loan offerings
• Affordable down payment options
• Competitive rates & closing costs
• Expedited closings
• Easy online application

Budget Friendly Solutions

Our entire purpose is to serve you, and help you realize your financial dreams. Discover how our tailored-to-you loan products, competitive rates, and minimal closing costs can be the solution you seek.

“I Predict That We Could See Ice-Free Summers onthe North Pole Within a Decade.”

Owning a home is likely the biggest investment of your life — whether you’re looking to buy a new home, leverage equity you already have in yours, or sell your home, we can help!

What To Expect

A mortgage is one of the biggest purchases you make. Watch this video for a quick guide on the process, and what to expect.

Mortgage Calculators

Homebuying Guide

Be informed! Review best practices for finding, buying, and financing your new home – with a payment you can afford.

Complete our mortgage application to begin your journey to owning your new home!

John Forsyth, Lead Researcher, The Canadian Polar Insitute

If you have questions and want to talk about your specific situation, 
call our Mortgage Consultant today:

Mortgage Consultant

Contact Us Today

KNOW WHAT TO EXPECT WHEN YOU GET A MORTGAGE

We know that getting a mortgage is a big decision and we want to make sure that our members have the resources to make the mortgage process as simple as possible. From application to closing, our expert mortgage team will ensure that you stay informed.

Mortgage Calculator

Member First Mortgage

Visit the Member First Mortgage website to learn more about our mortgage partner and for more mortgage resources.

Find Out More About Loan Products

If you'd like to learn more about individual loan products to figure out which one is right for you, visit MFM's Loan Product page on their website.

Continue Your Application

Have you already started completing a mortgage application? Finish your application today!

*Loan Officer, NMLS ID# 282725 is authorized to act as an agent of CREDIT UNION and is authorized to represent Member First Mortgage, LLC (MFM). For MLO Licensing information, please visit NMLS Consumer Access.

Tell Us About Yourself

Tell us about yourself

From application to closing, our expert mortgage team will ensure that you stay informed. Watch this video to learn how to apply.

How to Apply

Find Out More About Loan Products

If you'd like to learn more about individual loan products to figure out which one is right for you, click the link below or reach out to your Loan Officer.

|

|

|

*Available to all eligible borrowers on the first lien purchase or refinance of a primary or secondary residence, in the States of Michigan and Florida only, using a conforming conventional 7/1 Adjustable-Rate Mortgage (ARM) portfolio loan product with Public Service Credit Union. Initial interest rates cannot drop below 4.5%, regardless of the 30-Year Fixed Rate. Not eligible on manufactured homes. Example scenario, calculated 07/24/2026, assumes excellent borrower credit history and is based on a $225,000 loan amount with a 10% cash down payment from the borrower and 90% conventional financing on a 30-year ARM term. 7/1 ARM example scenario assumes an initial interest rate of 5.625% and an APR of 6.273% for years 1-7 (84 monthly P&I payments of $1,295.23); the first adjusted interest rate can increase or decrease by 2% for 1 year (12 monthly P&I payments of $1,071 - $1,541); the second adjusted interest rate can increase by 2% or decrease as low as the rate minimum (2.75%) for 1 year (12 monthly P&I payments of $983 - $1,798); subsequent adjustments can increase to the rate maximum (10.625%) or decrease to the rate minimum (2.75%) each year for years 10-30 (annually adjusted monthly P&I payments of $983 - $1,929); example scenario payments do not include taxes and insurance; PMI is waived.

**Available to all eligible borrowers on the first lien purchase or refinance of a primary residence using a conventional 30-year, 20-year, or 15-year fixed rate loan product with Public Service Credit Union. Not eligible on manufactured homes. Example scenario, calculated 7/24/2026, assumes excellent borrower credit history and is based on a $225,000 loan amount with a 10% cash down payment from the borrower and 90% conventional financing on a 30-year fixed-rate term purchase. The example scenario assumes an interest rate of 6.875% with an Annual Percentage Rate (APR) of 6.981% for 30 years (360 monthly principal& interest (P&I) payments of $1,478.09); example scenario payment does not include taxes or insurance; private mortgage insurance (PMI) is waived.

This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Member First Mortgage, LLC (MFM) is a partner of Public Service Credit Union (7665 Merriman Road, Romulus, MI 48174 | (734) 641.8400 X2208 | NMLS ID: 469775). MFM is a licensed Mortgage Lender/Servicer (Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | (616) 538.1818 | NMLS ID: 149532). For MFM’s state disclosure information, please visit MFM’s website. For licensing information, please visit www.nmlsconsumeraccess.org. Equal Housing Opportunity.