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Home Refinance



Your property is our priority

If you are looking to lower your payment, increase your cash flow, or make a big purchase a home loan refinance may be perfect for you. Contact one of our local mortgage experts today by calling (989) 799-6011 or (800) 675-2285 ext. 782.

What's you get with a home refinance:

  • Local mortgage expert to guide you through the process
  • Competitive rates and closing costs
  • Convenient payment options
  • Lifetime servicing of your loan
  • Easy online application
Applying is easy. Select "Apply Online" below and "Create Account" to get started.

View Rates(Opens in a new Window)       Apply Online(Opens in a new Window)

What to expect during your mortgage application:

If you currently have a Consumer Connect Mortgage account, you will be asked to log in. If you do not have a Consumer Connect Mortgage account, you will need to create one to start your mortgage application. 

You may find it helpful to gather the following items before you begin:

  • Information about your existing mortgage loan (if applicable)
  • Pay stubs or recent tax returns to reference current income
  • Bank statements and retirement account balances for assets

Once your application is submitted, you will receive a confirmation email from our team. A Wanigas mortgage expert will get in touch to review next steps within 1 business day.

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Conventional Fixed Rate
Lock in your rate for the entire term of the mortgage. Great for just about any buyer!

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Jumbo
Loans for primary residences with the amount exceeding conventional loan limit of $548,250.

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Federal Housing Administration (FHA)
Helping borrowers in less-than-perfect financial situation buy homes.

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Additional Mortgage Options
We offer more options like Rural Development (RD) and Michigan State Housing Development (MSHDA) loans. 





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Midwest Loan Services

Do you already have your mortgage with us? Click the "Log in" button below to access your Midwest Mortgage account information.

Please Note: Effective September 20, 2022, Midwest Loan Services rolled out a new website. Automatic payments and e-Statements are not affected, but borrowers will need to register on the new site to gain Mortgage Account Access.  

Click Here for helpful information about registering and to learn more about the New Mortgage Servicing Center.


More about our options

A fixed-rate mortgage comes with an interest rate that won't change for the life of your home loan. Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan making it an attractive option for borrowers who plan to stay in their home for several years.

Benefits and considerations:
  • No interest rate surprises - the interest rate won't change for the life of your loan, protecting you from the possibility of rising interest rates
  • The lowest fixed rate - Conventional mortgages may offer a lower interest rate than other types of fixed-rate loans
  • Refinancing options available - Conventional fixed-rate mortgages are available for refinancing your existing mortgage, too - and 15- and 20-year options are especially popular.

Select "Apply Online" below and "Create Account" to get started.

A jumbo loan is for someone financing a home in a highly competitive real estate market, exceeding conventional loan limit of $548,250 for a single-family home in Michigan. Jumbo loans come with different underwriting requirements versus a conventional loan and tax implications (see your tax advisor).
 
Select "Apply Online" below and "Create Account" to get started.

This program is designed to help borrowers in less-than-perfect financial situation buy homes.  This program is especially useful for first-time homebuyers who may not have a lot for down payment. This also provides opportunities for refinancing.
 
Select "Apply Online" below and "Create Account" to get started.

MSHDA loans are available to first-time homebuyers state-wide and repeat homebuyers in targeted areas. All homebuyers work directly with a participating lender. Household income limits apply and can vary depending on family size and property location. Down payment assistance is available.

  • Sales price limit: $224,500
  • Minimum credit score of 640 required or 660 for multiple-section manufactured homes
A rural development loan is a low interest, fixed-rate loan provided to qualified persons directly by USDA Rural Development. Financing is offered at fixed-rates and terms through a loan from a private financial institution and guaranteed by USDA Rural Development for qualified persons. 
 











Solutions for every aspect of life


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A loan for your every need, location, home improvement, you name it!

Personal Loans

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Looking for a new house? Let us help get you into your dream home.

Home Loans

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Get pre-approved before you shop with our simple online application.

Auto Loans

Mortgage Loan Officers and NMLS Numbers:

Wanigas Credit Union, A Division Of Financial Plus - NMLS License #586579
Amy Ricupati - NMLS #674678
Christine Siefert - NMLS #1564746
NMLS License Numbers for Wanigas Mortgage Loan Originators

Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. See Credit Union for full details.