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Wanigas Credit Union
Wanigas Credit Union
It's time for you to shine
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        Apply NowMortgage Center

  • Apply Online or call (989) 799-6011 or (800) 675-2285 ext. 782

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

Click Here to Meet The Wanigas CU Mortgage Team

Mortgage Account Information

Do you already have your Mortgage with Wanigas? Click the button below to access your Midwest Mortgage Account Information.
        Wanigas Mortgage Account Information Icon button links to login page

What's Your Story?
Receive a Wanigas VISA Gift Card up to $500*

New Home? Receive a Wanigas VISA Gift Card up to $500*, Call Wanigas CU for details.

*Loans currently financed with Wanigas CU are not eligible for this offer. Excludes Home Equity and Non-Conventional Mortgages. Cannot be combined with any other offer. Normal Loan Guidelines Apply. $250 Wanigas VISA Gift Card given for mortgage amounts less than $50,000. $500 Wanigas VISA Gift Card given for loan amounts $50,000 and greater. Offer valid April 1, 2020 through June 30, 2020.  Please Note: During this time of Social Distancing, the Wanigas VISA Gift Card will be replaced with a $250 or $500 Cash Deposit into the primary borrowers savings account at the time of the mortgage disbursement.


Apply for a Wanigas Mortgage online and we’ll deposit $25** into your Wanigas primary savings account, just to thank you for your application! Applying online is quick, secure, and easy – and you can receive our $25 thank-you deposit**!

**Loans currently financed with Wanigas CU are not eligible for this offer. Loan application must be submitted online, approved and disbursed to qualify. $25 deposited into share savings. Offer valid January 1, 2020 through June 30, 2020.

We offer:

  • Low interest rates
  • Free pre-approval
  • We lend on single family homes, condominiums, manufactured, duplex and 1-4 family homes
  • 10-30 Year Fixed Rate Conventional Mortgages
  • 3 Year Balloon Mortgage
  • Low and No Down Payment Options- FHA, VA, Rural Development Mortgages available through our preferred partner
  • Homeready mortgage

Exclusive First Time Home Buyer Program

First time home buyer program

FIRST TIME HOME BUYER PROGRAM Wanigas discounts your processing fee to $100 AND

  • Option 1*: Wanigas discounts your processing fee to $100 AND
    You receive a .25% discount on the interest of your mortgage
  • Option 2*:  Wanigas discounts your processing fee to $100 AND
    Wanigas pays $500 or $750 of the closing costs based on the loan amount**. 

* A First Time Home Buyer is anyone who has not previously owned a home and is purchasing their first home. To qualify for the program, the following criteria must be met with your Wanigas member account: Checking Account, a Wanigas Debit Card, established direct deposit  with sign-up for automatic payment from your Wanigas account. Some restrictions may apply. This program cannot be combined with any other offer or promotion.
** $500 off for loan amounts below $50,000. $750 off for loan amounts $50,000 and greater.

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 pay stub, Social Security statement or pension statement
  • W2's 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 NOW!

Let us help get you into the home of your dreams. You can apply for your Wanigas Credit Union mortgage online. For more information call (989) 799-6011 or (800) 675-2285 ext. 782.

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

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National Credit Union Administration Equal Housing  Opportunity This Credit Union is federally insured by the National Credit Union Administration.
Equal Housing Lender, we do business in accordance with Federal Fair Lending Laws.