Choose People Driven Credit Union for Your Fixed Term Mortgage
Choosing People Driven Credit Union for your Fixed Term Mortgage means personalized service, competitive rates, and flexible financing options tailored to your needs. Our team provides dedicated guidance and support, ensuring transparency and honesty. Benefit from low rates and clear terms while becoming part of our community-focused credit union. With convenient online tools, managing your mortgage is seamless and hassle-free. Let’s work together to make your dream of homeownership a reality.
Meet Our Mortgage Loan Officer
Michelle Dzon is authorized to act as an agent on behalf of People Driven Credit Union. Contact her for personalized assistance with your mortgage needs.
Michelle Dzon
Member First Mortgage, LLC (MFM)michelle.dzon@memberfirstmortgage.com
616-301-1714 | NMLS ID: #401292 | People Driven Credit Union NMLS ID: #776727
Additional Mortgage Products:
Doctors Advantage Fixed Mortgage
Doctors Advantage 7/1 ARM Mortgage
Not sure which mortgage product is right for you? We’re here to help. Contact our Mortgage Loan Officer.
What to do during the Mortgage loan process:
- Quickly respond to all requests for documents
- Pay all bills on time because a credit report will be pulled before closing
- Don’t apply for any other credit accounts
- Shop for insurance for the new home
Helpful links to important resources:
People here are never in too much of a hurry to answer all my questions. They always have a smile on their face.
Mea e.
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Frequently Asked Questions
Meet Our PDCU Mortgage Specialist
Michelle Dzon is authorized to act as an agent on behalf of People Driven Credit Union. Contact her for personalized assistance with your mortgage needs.
Michelle Dzon
Member First Mortgage
michelle.dzon@memberfirstmortgage.com
616-301-1714 | NMLS ID: #401292
- First, always look for the NMLS ID on any mortgage advertisement or document.
- Next, verify the ID at the official NMLS Consumer Access website.
- Also, ask your loan officer for their personal NMLS ID number.
- Then, check the company’s NMLS ID for People Driven Credit Union.
- Finally, contact us at 248-263-4100 to confirm any NMLS ID on your loan file.
People Driven Credit Union offers a full range of mortgage products, including conventional and government-backed loans, to help you buy or refinance your home.
What mortgage products does People Driven Credit Union offer?
We provide competitive rates and flexible options through both conventional and government programs. Here is a complete list of our current mortgage products:
Conventional Products
- Freddie Mac Fixed Rate
- Fannie Mae Fixed Rate
- Adjustable-Rate Mortgages
- Home Possible (Freddie Mac)
- Home Ready (Fannie Mae)
- Construction
- Super Conforming
Government Products
People Driven Credit Union Mortgage Products
- Zero Down Purchase Program
- Doctors Advantage Fixed Mortgage
- Doctors Advantage 7/1 ARM Mortgage
- Mortgage Refinance
Not sure which mortgage product is right for you? We’re here to help. Contact our Mortgage Loan Officer.
- Copy of your driver’s license or state-issued ID – Verifies your identity and legal name.
- Last 2 years of W-2 forms – Prove your employment history and income stability.
- Most recent 30 days of pay stubs – Shows your current income and allows us to calculate your debt-to-income ratio accurately.
- Last 2 years of Federal Tax Returns (including all schedules) – Confirms your reported income and helps lenders assess your overall financial picture.
- Most recent two months of bank statements (all pages) – Verifies your assets, down payment funds, and that you have enough reserves after closing.
- Contact information for your homeowner’s insurance agent – Required to set up the proper insurance coverage for the property at closing.
- Gather everything before you apply — it can save you weeks of delays.
- Make sure all pages of the bank statements are included.
- Include all W-2s and tax returns, even if you filed jointly.
- Scan or take clear photos of your documents for easy upload.
Disclosures
Mortgage rates change daily; therefore, inquire with PDCU for current mortgage rates.
Enjoy the added convenience of making your payments with a Direct Deposit. *Use of a calculator tool is not a guarantee of credit.
*Available to all borrowers using a Conventional or Government mortgage loan program on a purchase or refinance transaction with People Driven Credit Union, NMLS ID# 776727 and Member First Mortgage, LLC (MFM), NMLS ID# 149532 only. All loans are subject to approval. additional restrictions may apply.
- Lower your monthly mortgage payment
- Eliminate Mortgage Insurance payments
Closing Costs Promo:
“Conventional Disclosure: Available to all borrowers using a conventional mortgage loan program on a purchase or refinance transaction with People Driven Credit Union, NMLS ID: 776727, and Member First Mortgage, LLC (MFM), NMLS ID: 149532. Eligibility requires a borrower credit score of 620 or higher; detached, owner-occupied properties only. Refinancing an existing mortgage loan may result in higher total finance charges over the life of the loan. This is not a commitment to lend.
Member First Mortgage, LLC is an affiliate of People Driven Credit Union.
- People Driven Credit Union: 24333 Lahser Rd., Southfield MI, 48033 | (248) 263.4100 | NMLS ID: 776727.
- Member First Mortgage, LLC Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532.
Equal Housing Opportunity.
Example: Based on a $200,000 loan with a conventional 30-year fixed rate term (360 monthly principal and interest payments of $1,280.62, not including taxes and insurance); annual percentage rate (APR) of 6.732%. The down payment assumes 5% cash required by the borrower with 95% financing.
The cost of Private Mortgage Insurance (PMI) is waived as part of this promotion, to be paid by the Lender. This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. People Driven Credit Union 24333 Lahser Road, Southfield, MI 48033 | (248) 263.4100| NMLS ID: 776727 |
$100,000 – 30-year term at the interest rate of 7.928%, the monthly payment would be approximately $729
Payment Examples not including Taxes and Insurance, the actual payment obligation will be higher.
*APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate.
People Driven Credit Union is an Equal Housing Opportunity Lender NMLS #776727
All other trademarks are the property of their respective owners.
SAFE Act Compliance Testing:
We conduct annual independent testing of our mortgage compliance in accordance with the SAFE Act (Reg G) requirements.
