Home loans and mortgage refinancing

Work one-on-one with the team that knows the local market.

Put down roots with a first home or refinance the one you love; you'll work with a Mortgage Loan Officer who lives here too. We have options for every chapter of homeownership and will help you find the right mortgage for yours. Every decision is made locally, right here in Michigan.

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United Bay Community Credit Union NMLS 501172
Rates based on credit score and loan term. Membership is required. Applying for a loan is not a guarantee of approval.

Couple moving boxes into their new home

An option for every chapter

Ready to buy a home in a community you love? A mortgage gets you there, with a Mortgage Loan Officer walking you through every step.

If you already own your home and want a better fit for your monthly budget, or you have a mortgage somewhere else and want it handled locally instead, that's a refinance.

Either way, you'll work with the same team from application to closing.

Apply Now
Mortgage Calculator

Member-owned. Decided in Michigan.

As a member-owned credit union, Ubay doesn't answer to shareholders, so more value comes back to members instead of a bank's bottom line. Pair that with a team that reviews every file locally, and financing your home doesn't mean guessing who's actually making the decision.

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Member-Owned

No shareholders to answer to, so more value comes back to you instead of a bank's bottom line.

Decisions Made Locally

Your Ubay Mortgage Loan Officer reviews your file here at one of our Michigan branches, not at a call center in another state.

Options to Fit Your Budget

Longer terms available for lower monthly payments, or choose a shorter term to pay less interest overall.

A Ubay loan can make it happen

  • I refer so many people here because I have had such a great experience. I tell everyone to come to United Bay because they really do take care of you.

    Ashley G., Member

  • When we go into UBAYCCU, it’s like going to someone’s home. We know all of the clerks by name...It’s more than a credit union, it’s a home.

    Christine & Gerrit S., Members

  • I’ve been a member at the credit union this long because the minute you walk in, everybody is so super friendly.

    Isabel & Thomas C., Members

  • When you have people who back you, you want to back them, so I refer everyone here. Just like how I work on people's cars and they trust me, that's the way I feel about this credit union.

    Richard W., Member

  • We’ve referred so many of our friends and family to the credit union, and it doesn’t matter what credit union location we go to—everyone is amazing.

    Lisa L., Member

Little girl playing in a cardboard box while her parents look on

What you’ll need to apply

Have these ready, and the process moves faster, whether you're buying or refinancing.

  • Driver's license

  • Recent pay stubs

  • Two years of tax returns

  • Two most recent bank statements.

Buying adds a signed purchase agreement and an insurance quote. Refinancing adds your tax bill, insurance statement, and mortgage statement.

Apply Now

Disclosure: APR = Annual Percentage Rate. Experian/Fair Isaac Model Credit Score and loan term will determine which rate you qualify for. Over 50% of loan amount must be new money. Certain restrictions apply. Rate and terms are subject to change at anytime. Membership is required and based on eligibility.

Our commitment to you

  • Investment in community

    We have been rooted in Michigan for more than 75 years, always championing the people and places that make it home.

  • People first, always

    As a not-for-profit credit union, we prioritize people and reinvest in better rates for you, lower fees for all, and community growth.

  • Support at every step

    From your first savings account to credit building, retirement, and beyond, we are here to guide your financial journey for life.

Become a Member

 Frequently asked questions

  • A mortgage is the loan you take out to buy a home. A refinance replaces a mortgage you already have, whether to get a better fit for your budget or to switch lenders. Both work the same way at Ubay: apply online or with a Mortgage Loan Officer, and your file gets reviewed locally.

  • Conventional mortgages allow as little as 3% down. Qualifying buyers may also be eligible for a USDA Rural Development loan with no down payment required.

  • Yes. Moving your mortgage to Ubay works like a refinance. A Mortgage Loan Officer can walk you through what your current mortgage statement, tax bill, and insurance statement need to show to get started.

  • Timing depends on your file, but having your documents ready (pay stubs, tax returns, and bank statements) is the biggest factor in moving quickly. Apply online or contact a Mortgage Loan Officer to get a sense of your timeline.

  • Terms run up to 120 months. A longer term means a lower monthly payment; a shorter term means less interest paid overall.

  • Yes, Ubay home loans are a member benefit. If you're not a member yet, you can join when you apply.

  • Every mortgage decision is made locally, by a Mortgage Loan Officer here in Michigan, not by an outside underwriting office.