Mortgages

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• Visit one of our branches to apply
• Call (989) 799-6011 or (800) 675-2285 ext. 782 to apply

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.

Wanigas Mortgage Promotion - Receive A Wanigas VISA Gift Card Up To $500*

*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. $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. Offer valid through December 31, 2016.

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

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, establish direct deposit and 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 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) 799-6011 or (800) 675-2285 ext. 782.

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