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.
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Mortgage Account Information
Do you already have your Mortgage with Wanigas? Click the button below to access your Midwest Mortgage Account Information.
SAVE with a Wanigas Mortgage!
*Loans currently financed with Wanigas CU are not eligible for this offer. Valid on first mortgage loan amounts of $50,000 and greater. Excludes Home Equity and Non-Conventional Mortgages. Cannot be combined with any other offer. Normal Loan Guidelines Apply. Offer valid July 1, 2020 through October 31, 2020.
RECEIVE A $25 DEPOSIT** TODAY!
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 December 31, 2020.
- 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
Exclusive 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.
Ready to Apply for a Mortgage?
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 hereGo to main navigation