Home Loans

Fixed and Adjustable Mortgage Options

Fixed-rate mortgages allow steady monthly payments for the life of the loan, while adjustable-rate mortgages offer lower starting rates that adjust over time. We explain your options for long-term stability or short-term savings.

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Tap Into Your Home Equity

U.P. State Credit Union can help you put your home’s equity to work with a fixed second-lien mortgage or a home equity line of credit (HELOC). A fixed second lien gives you a lump sum with a fixed repayment schedule. A HELOC gives you the flexibility to borrow as needed for home improvements, college expenses, or unexpected costs. Both options are easy to manage and come with great rates. Talk to us to see what works best for your plans.
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Get a Home Loan for Your Dream Property

Buying a home means putting down roots in a place you love, so U.P. State Credit Union offers options for every life stage with our home loans in the Upper Peninsula of Michigan. Our mortgage experts work with you from start to finish, offering local insight and personalized support. Whether purchasing your first house, building your dream home, or refinancing, we’ll help you find the ideal loan. Let us help you buy your dream property. Apply Now!

Explore Rural, FHA, and VA Loan Options

We offer various options, including camp and vacant land loans. Rural Development loans help eligible buyers in less-populated areas with no down payment required. FHA loans make buying a home with a lower credit score or a smaller down payment easier. VA loans are available to qualified veterans, offering benefits like no need for a down payment or private mortgage insurance. Our loans open the door to homeownership for many U.P. residents.
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Serving the 906