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Your dream home is one step closer when you get your mortgage with Wanigas Credit Union. We have competitive rates and a variety of mortgage programs to suit any homebuyer’s needs.  

Already have a mortgage with another lender?  Rates are low, this may be a great time to refinance to Wanigas Credit Union and receive a lower interest rate, lower your payment, consolidate debt or change the term to pay your mortgage off earlier. 

* Loans currently financed with Wanigas Credit Union are not eligible for this offer.  Offer cannot be combined with any other offer.  Excludes Home Equity and Non-Conventional Mortgages.  Offer expires 06/30/2014.  $250 VISA Gift Card given at closing for mortgage loan amounts less than $50,000.  $500 VISA Gift Card given at closing for mortgage loan amounts $50,000 and greater. 

We offer: 

  • Low interest rates
  • Reasonable closing costs
  • Free pre-approval
  • Easy application process – online, in person or over the phone
  • We lend on single family homes, condominiums, manufactured, duplex and 1-4 family homes
  • 10-30 Year Fixed Rate Conventional Mortgages
  • 3, 5 & 7 Year Balloon Mortgages
  • Low and No Down Payment Options- FHA, VA, Rural Development Mortgages
  • Online access to your mortgage
  • First-time Home Buyer Program – we waive your processing fee and either give you a discount on the interest of your mortgage or pay half of your closing costs.  Some restrictions may apply, ask for details today. 

Get one-on-one attention from a mortgage professional:

  • Free confidential interview to discuss what you can afford
  • Learn how to fix credit issues before you look for a house
  • Discuss where the down payment is coming from and why you need it in your account at least 60 days before applying
  • Discover what documentation is needed to get a loan and at closing
  • Mortgage pre-approvals good for 90 days (may be subject to change)

What you need to apply for a mortgage:

  • Proof of income for all borrowers like a recent paystub, Social Security statement or pension statement
  • W2s and tax returns for the last two years
  • Current property tax bill (if refinancing)
  • Homeowner’s insurance information (if refinancing)
  • Recent mortgage statement if refinancing
  • Recent statement of assets like your 401k, stocks, bonds etc.

Apply today!

Let us help get you into the home of your dreams. You can either apply for your Wanigas Credit Union mortgage online or stop by one of our branches today. For more information call (989) 799-9777 or (800) 675-2285 ext. 782.

Already have a Wanigas Credit Union mortgage? Access your mortgage account information here.


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Equal Housing LenderFederally Insured by NCUA
This credit union is federally insured by the National 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