Mortgages Made Easy

Advantage One knows real estate lending, and we want to help you move into your new home or refinance your existing property.

We offer the following mortgages:

  • Conventional Fixed-Rate Loans

  • Federal Housing Administration (FHA) Loans

  • Veteran’s Affairs (VA) Loans

  • Vacant Land Loans

  • Rural Development Loans

 
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Mortgage Rates

Conventional Fixed-Rate Mortgage

Rates accurate as of

Conventional Fixed Rate Mortgages
Term2 Rate APR1
30-Year | Points3 0.0 % %
20-Year | Points3 0.0 % %
15-Year | Points3 0.0 % %
10-Year | Points3 0.0 % %

1APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.

2Loan terms and conditions depend on credit qualifications and approval. Credit Union membership is required or must be established. All loans are subject to approval. Rates, terms, and conditions are subject to change. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Neighborhood Mortgage Solutions is a Credit Union Service Organization (CUSO) providing mortgage services as our partner.

3Discount Points - A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower, the home seller or may be split between them.

Payment Example: A primary residence, owner-occupied, single-family home in Michigan, with a purchase price of $150,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $120,000  borrowed at a 6.375 % interest rate (6.618% APR) for a term of 360 months would require monthly payments of $748.64.

Payment example does not include taxes and insurance premiums; actual payment obligation may be greater.

NMLS #191693 | NMLS #408587

FHA Fixed-Rate Mortgage

Rates accurate as of

FHA Fixed Rate Mortgage
Term2 Rate APR1
30-Year | Points3 0.0 % %
15-Year | Points3 0.0 % %

1APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.

2Loan terms and conditions depend on credit qualifications and approval. Credit Union membership is required or must be established. All loans are subject to approval. Rates, terms, and conditions are subject to change. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Neighborhood Mortgage Solutions is a Credit Union Service Organization (CUSO) providing mortgage services as our partner.

3Discount Points - A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower, the home seller or may be split between them.

Payment Example: A primary residence, owner-occupied, single-family home in Michigan, with a purchase price of $150,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $120,000  borrowed at a 6.375 % interest rate (6.618% APR) for a term of 360 months would require monthly payments of $748.64.

Payment example does not include taxes and insurance premiums; actual payment obligation may be greater.

NMLS #191693 | NMLS #408587

VA Fixed-Rate Mortgage

Rates accurate as of

VA Fixed Rate Mortgage
Term2 Rate APR1
30-Year | Points3 0.0 % %
15-Year | Points3 0.0 % %

1APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.

2Loan terms and conditions depend on credit qualifications and approval. Credit Union membership is required or must be established. All loans are subject to approval. Rates, terms, and conditions are subject to change. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Neighborhood Mortgage Solutions is a Credit Union Service Organization (CUSO) providing mortgage services as our partner.

3Discount Points - A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower, the home seller or may be split between them.

Payment Example: A primary residence, owner-occupied, single-family home in Michigan, with a purchase price of $150,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $120,000  borrowed at a 6.375 % interest rate (6.618% APR) for a term of 360 months would require monthly payments of $748.64.

Payment example does not include taxes and insurance premiums; actual payment obligation may be greater.

NMLS #191693 | NMLS #408587

Vacant Land Mortgage

Rates accurate as of

Vacant Land Mortgage
Term2 Rate APR1
15-Year | Points3 0.0 % %
10-Year | Points3 0.0 % %

1APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.

2Loan terms and conditions depend on credit qualifications and approval. Credit Union membership is required or must be established. All loans are subject to approval. Rates, terms, and conditions are subject to change. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Neighborhood Mortgage Solutions is a Credit Union Service Organization (CUSO) providing mortgage services as our partner.

3Discount Points - A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower, the home seller or may be split between them.

Payment Example: A primary residence, owner-occupied, single-family home in Michigan, with a purchase price of $150,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $120,000  borrowed at a 6.375% interest rate (6.618% APR) for a term of 360 months would require monthly payments of $748.64.

Payment example does not include taxes and insurance premiums; actual payment obligation may be greater.

NMLS #191693 | NMLS #408587

Meet our Mortgage Team

Becky McNally
Mortgage Sales Coordinator
(734) 512-8107
bmcnally@myaocu.com
NMLS ID: 1194217

Ken Sigler
Mortgage Sales Coordinator
(616) 466-0099
ksigler@myaocu.com
NMLS ID: 162200

 

First Time Homebuyer Webinar

 

Presented by Becky McNally and Ken Sigler

 

Already Have a Mortgage with AOCU?

 

Make your mortgage payment or view your balance by visiting Neighborhood Mortgage Solutions.

Loan terms and conditions depend on credit qualifications and approval. Credit Union membership is required or must be established. All loans are subject to approval. Rates, terms, and conditions are subject to change. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Neighborhood Mortgage Solutions is a Credit Union Service Organization (CUSO) providing mortgage services as our partner.
NMLS #191693 | NMLS #408587