Mortgages

Low rate home equity loans available with 10 year draw period, no application fee and low to no closing cost. Terms and conditions apply.
Since 1986, TBA Credit Union has been helping members with mortgages. Our mortgage lenders are prepared to provide superior service throughout all of Michigan with the financing of your home.
 

Our flexible rates, competitive closing costs, relationship-driven loan officers, and a broad range of products make TBA Credit Union the right choice for your home lending needs. Our experienced loan officers will guide you through your journey of homeownership. 

We have a solution that fits your needs.

 

 

Fixed Rate
Purchase

10-15-20-30-Year Fixed Term 
Payment Within Your Budget 
Rate Never Changes

Fixed Rate
Refinance

Shorten Your Current Term 
Cash-out Option
Debt Consolidation

Other Products Available

Rural Development (RD) 
Jumbo Loans 
Manufactured Housing 
First-Time Home Buyer Loans

Vacant Land Loan

10 Year Fixed Term
5 Year Balloon Amortized 15 Year
10 Year Balloon Amortized 30 Year

VA Loan

Zero Down Payment Option 
Low-cost Loan 
Easy to Qualify 

Residential Construction Loan

Build your perfect Dream Home 
Funds Ready When Needed 

FHA Loan

Lower Down Payment Requirements 
No Income Limitations 
Fixed Rates 

Need an Expert in Your Corner? If you need assistance in choosing the right product or have a quick question for one of our mortgage lenders, please complete the contact form below and we will be happy to assist you.

Contact the Mortgage Team

 

Mary Burgin - Mortgage Team

Mary Burgin

Mortgage Loan Originator
NMLS #1901789
maryb@tbacu.com
231.342.4732

Carrie Eppinger - Mortgage Team

Carrie Eppinger

Mortgage Loan Originator
NMLS #718733
carriee@tbacu.com
231.944.0528

David Powell

David Powell

Mortgage Manager
NMLS #2542958
davidp@tbacu.com
231.649.0300

Joan Carley - Mortgage Team

Joan Carley

Mortgage Loan Processor
joanc@tbacu.com
231.946.8798

Mortgage Tips – Things to Avoid During the Mortgage Process

  • Employment status should not change. If employment status changes, please let your loan officer know immediately to avoid any delays.
  • Do not apply for any lines of credit, including new credit cards.
  • Do not make any large deposits or withdrawals from your assets. Regular paycheck deposits are ok.
  • Do not stop making loan payments. This includes current mortgage, credit card, loans, etc. Never fall behind on your bills.
  • Refrain from making large purchases. IE: new car, new boat, new snowmobile, new furniture, etc.
  • Do not change your financial institution if your bank statements were provided to your lender.

(1) 10-year draw period followed by a 10-year repayment period for 1 to 4 family owner occupied/second home occupancy. Interest only payments required during draw period. Rate is variable. (2) TBACU members who meet eligibility criteria can access a home equity line of credit with no closing costs. Property hazard insurance required. Property flood insurance required when applicable. Other terms and conditions may apply. Ask one of our mortgage loan officers for details. Insured by NCUA.