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Journey Federal Credit Union



Mortgage & Home Equity Loans

Mortgage Loans for Your Situation

We are pleased to announce that we have partnered with Mortgage Center to offer you a variety of home financing options. For over 30 years, the experts at Mortgage Center have been taking the uncertainty out of financing, by making the process simple and easy to understand. Get connected with an experienced home financing expert by calling 800-353-4449 or learn more below.


Purchasing a Home

Are you looking to purchase a new home? Take advantage of Mortgage Center’s unique loan programs to find the perfect financing option for you and your family. Get started with your free pre-approval today.

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Refinancing Your Home

With rates at historic lows, now is a great time to refinance your home to lower your monthly payment or even shorten your loan term.

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Mortgage Rates

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Home Equity Loans
Effective Date: Tuesday, August 11th, 2020
APR*Max TermEst. Monthly Payment
(per $1,000)
Max Loan Amount
Fixed Rate Home Equity Loan As low as
4.00% Fixed
Up to 120 months $18.45 $200,000
Rate may vary based upon term & LTV.
Premium Home Equity Line of Credit 4.25% - Variable Rate** (Prime Plus 1%) 15 year term; 5 year draw period 1.5% of the outstanding balance or $50; whichever is greater. Minimum: $5,000 Max: $100,000 or 80% loan to value.
Premium HELOC 81% Plus 5.25% - Variable Rate** (Prime Plus 2%) 15 year term; 5 year draw period 1.5% of the outstanding balance or $50; whichever is greater. Minimum: $5,000 Max: $100,000 or 80.01% loan to value.
Premium HELOC 91% Plus 6.25% - Variable Rate** (Prime Plus 3%) 15 year term; 5 year draw period 1.5% of the outstanding balance or $50; whichever is greater. Minimum: $5,000 Max: $100,000 or 90.01% loan to value.
Call our Loan Department at 989-224-9511 for rates, terms, an application, and disclosures.
Stated APR is the base rate available. An applicant's actual final rate may be higher, based upon creditworthiness which applies to mortgages and consumer loans. Property being financed must be located in the state of Michigan.
*APR = Annual Percentage Rate. Rate subject to risk adjustment. Credit restrictions apply.
**APR may vary up to a maximum of 18.00%. Prime Rate as disclosed quarterly in the Wall Street Journal.

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), designed to enhance consumer protection and reduce fraud, established minimum federal regulations for individuals who write mortgage loans. The SAFE Act also created a nationwide mortgage licensing database to help consumers ensure their mortgage loans are being handled by an employee licensed under SAFE Act guidelines.

Mortgage loan originators employed by a federally regulated depository, such as Journey Federal Credit Union, must meet the licensing standards established by the SAFE Act and be registered in the Nationwide Mortgage Licensing System (NMLS). To be eligible for registration under the SAFE Act, home loan originators are required by the federal government to attend classes related to mortgage licensing, pass federal and state tests, and complete credit and criminal background checks.

Journey Federal Credit Union’s NMLS number is 665895.

Mortgage Center’s NMLS number is 282701.

For more information, visit the NMLSR Consumer Access website or feel free to contact us directly.


Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act
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