How do I apply for a mortgage at People Driven Credit Union?
Yes, People Driven Credit Union offers mortgage options for eligible borrowers, including purchase and refinance programs.
Many members ask how to apply for a mortgage with People Driven Credit Union, as we offer competitive rates, flexible programs, and personal service for both first- and second-mortgage loans.
Mortgage options
- Home purchase mortgage programs
- Refinance solutions
- Specialized programs based on eligibility and property type
People Driven Credit Union partners with Member First Mortgage to offer a full range of first mortgages. Choose from conventional fixed-rate loans, low-down-payment programs like HomeReady® and Home Possible®, FHA, VA, USDA, and our Zero Down Purchase Program. We also offer second mortgages through home equity loans and HELOCs to help you access your home’s equity for home improvements, debt consolidation, or other needs.
Apply for a First Mortgage (Purchase or Refinance)
The fastest way is to apply online for a first mortgage. The secure portal takes just minutes to start. You can also get a personalized quote by checking rates here.
Apply for a Second Mortgage (Home Equity)
For a second mortgage or home equity loan, visit our home equity page or apply directly through our secure portal. Contact us for current rates and terms on home equity loans and HELOCs.
How to Get Started
Contact the PDCU mortgage team to review rates, requirements, and next steps for your scenario. Our specialists help you choose the right program and guide you from application to closing.
Common Questions
How do I get started?
Contact the PDCU mortgage team to review rates, requirements, and next steps for your scenario.
Get Help from Our Team
Call us at 248-263-4100 or our mortgage partner at 616-301-1714 during business hours. Our team is ready to help you apply for a mortgage. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.
5 Helpful Hints for Applying for a Mortgage
- Start your application online at cu.memberfirst.com/peopledrivencu – it is the quickest way.
- Gather documents like paystubs, tax returns, and bank statements ahead of time.
- Check your credit score before you apply to qualify for the best rates.
- Decide whether you need a first mortgage, second mortgage, or both.
- Contact us at 248-263-4100 for help choosing between first or second mortgage options.
People Driven Credit Union makes applying for a mortgage simple and member-focused. Whether you need a first mortgage to buy or refinance your home or a second mortgage through home equity, we have the right solution for Michigan families. Thank you for banking with us. Our team is always ready to help you achieve your homeownership goals.
