Find your dream home & let us do the rest!
At LOC Credit Union, we don't just want your mortgage business, we understand how important a home can be to your quality of life, both emotionally and financially. Whether you're in the market to buy or build your first home, or seeking to refinance an existing mortgage, let us put our expertise to work for you. We'll be with you every step of the way to help you pursue your home ownership goals thanks to our:
- Great low rates and custom mortgage products
- Very competitive fees and closing costs
Unique mortgage solutions
built for you
- Adjustable Rate Mortgages (ARMs)
- Non-Warrantable Condos
Let's Turn Those Amazon Boxes Into Moving Boxes!
Schedule an Appointment
Setup some time with our Real Estate Lending experts to ensure you've got everything you need to purse your home ownership dreams.
It's Time to
Get Moving!
Follow the link below to get the application process started today.
| Rates as Low as | APR as Low as | Points | Payment Example |
|---|---|---|---|
5/5 ARM - 30 Year | |||
| 5.500% | 6.278% | 1.000pts | $1,136.00 |
| 5.750% | 6.330% | 0.500pts | $1,167.00 |
| 6.000% | 6.381% | 0.000pts | $1,199.00 |
7/1 ARM - 30 Year | |||
| 5.625% | 6.345% | 1.000pts | $1,151.00 |
| 5.875% | 6.425% | 0.500pts | $1,183.00 |
| 6.125% | 6.506% | 0.000pts | $1,215.00 |
All payment examples are based on a sample purchase transaction of $250,000 with 20% down and a FICO score of 780 or greater for a single family residence. Payment example does not include homeowner insurance, property taxes, private mortgage insurance, or homeowners association dues. Actual payments may vary based on amount, term, APR, taxes and insurance and other factors. Homeowner insurance required. All loans terms and conditions are subject to Credit Union qualifications and approval. Some restrictions may apply. ^Representative examples of payments after first adjustment. | |||
| Rate | APR | Points | Payment Example |
|---|---|---|---|
15 Year Fixed | |||
| 6.000% | 6.251% | 0.750pts | $1,688.00 |
| 6.125% | 6.318% | 0.375pts | $1,701.00 |
| 6.250% | 6.384% | 0.000pts | $1,715.00 |
30 Year Fixed | |||
| 6.500% | 6.655% | 0.750pts | $1,264.00 |
| 6.625% | 6.744% | 0.375pts | $1,281.00 |
| 6.750% | 6.833% | 0.000pts | $1,297.00 |
All payment examples are based on a sample purchase transaction of $250,000 with 20% down and a FICO score of 780 or greater for a single family residence. Payment example does not include homeowner insurance, property taxes, private mortgage insurance, or homeowners association dues. Actual payments may vary based on amount, term, APR, taxes and insurance and other factors. Homeowner insurance required. All loans terms and conditions are subject to Credit Union qualifications and approval. Some restrictions may apply. ^Representative examples of payments after first adjustment. | |||
Are you ready to join LOC?
It’s easy to become a member of LOC Credit Union!
Membership is open to anyone who lives, works, worships, or attends school in the state of Michigan.
A current or eligible member's immediate family (spouse, sibling, child, grandchild, parent, grandparent) or an individual living in the same household of a current or eligible member can also join LOC.
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Two exclusive group discounts and experienced professionals to make saving on your insurance easy!
Maximize The Equity
In Your Home
Our home equity offerings could be a great way to consolidate debt, remodel, repair or enlarge your home.
Here to Help
Contact Us
Want to talk to someone?
Call: 800.837.4562
Text: 248.474.2200
Monday - Thursday 9 am to 5 pm
Friday 9 am to 6 pm
Saturday 9 am to 1 pm
Make an Appointment
Need to come in to speak to someone? Make an appointment at one of our convenient locations.