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Wanigas Credit Union
Wanigas Credit Union
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        Apply NowMortgage Center

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

Thinking Mortgage? Think Wanigas!

$750 Off Mortgage Closing Costs image, Call Wanigas CU for details

* Loans currently financed with Wanigas CU are not eligible for this offer. Offer cannot be combined with any other 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, 2019 through October 31, 2019.

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 Credit Union are not eligible for this offer. Loan application must be submitted online, approved and disbursed to qualify. $25 deposited into share savings. Valid August 1, 2019 through October 31, 2019.

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

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 and direct deposit into 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 NOW!

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


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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.