We offer a mortgage to fit your needs, including first time home buyers and low-down payment options. HPC Credit Union can help you get the home of your dreams or lower your current mortgage payment.

What we offer:

  • Long and Short-Term Fixed Rate : 10-30 year mortgages with a fixed rate.
  • Vacant Land: 10, 15, 20 year fixed rate or adjustable rate.
  • Rural Development: Zero percent down payment, 680 credit score, 30 year fixed only. Your income and property must meet Rural Development Requirements.
  • Adjustable Rate Mortgage (ARM): 30-year amortization with adjustment periods through out the loan.
  • Home Equity and Line of Credit: Use your home as collateral to obtain an open line of credit with a 5 year draw period. After 5 years, you will need to go into repayment or renew/extend the draw period.

Our mortgage specialists will walk you through the mortgage process and explain everything.

Call us at (989) 354-4698 or head to one of our locations! You can also fill out the form below to email us at lending@hpccu.com