Our Mortgage Process
Apply for a Loan
Explore Your Options
Verify Your Information
Close Your Loan
Home Shopping Starts with People Driven Credit Union.
The mortgage process has changed a lot in the last few years. People Driven has always been there for their members at every step of the way.
What to do before applying
- Pay all bills on time
- Keep job changes to a minimum
- Don’t make any large cash deposits
- Gather financial statements.
What to do during the Mortgage loan process
- Quickly respond to all requests for more documents
- Pay all bills on time because another credit report will be pulled before closing
- Don’t apply for any other credit accounts
- Shop for insurance for the new home
The Loan Department provided the most informative. Furthermore it was the most professional service I have ever experienced.Marleta
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Why not bundle all your debt into a low-interest rate and improve monthly cash flow.
FHA Mortgage Options
A FHA loan can be the easiest type of mortgage loans to qualify for. FHA requires a low down payment and you can have less than perfect credit.
Special Care for 1st time home buyers
Are you a first time home buyer and are looking for personal attention? We love helping people to become new homeowners.
Frequently Asked QuestionsYes! With our home equity line of credit you'll enjoy a ready cash reserve that's available whenever you need it. To apply please apply via or website, online banking or give us a all at 248-263-4100.People Driven Credit Union wants to be your mortgage lender! We partner with Member First Mortgage to provide you with a wide range of mortgage services. Whether you are buying your first home, building your dream home, moving up, or scaling down, Member First Mortgage has many programs to fit your needs. Apply for your mortgage today by clicking the link or calling (866) 898-1818.
Get your Mortgage with People you trust.
We've streamlined the mortgage process without removing the people.If you are ready to start an application
We love first time home buyers
We've streamlined the mortgages process without removing the peopleFirst Time Home buyer Applications
Some restrictions apply: Rebate is only available on conventional mortgages that People Driven Credit Union holds in-house. Federal mortgage programs are not eligible for the rebate. No rebate for applications started prior to 4/1/2018. Please inquire about rebate availability for your mortgage. Mortgage rates change daily, therefore inquire with Member First Mortgage for current mortgage rates.
Enjoy the added convenience of making your payments with Direct Deposit. * Use of a calculator tool is not a guarantee of credit.
We help you get the best deal possible on your mortgage, period.
Whether you’re a first-time homebuyer looking for a mortgage or you’re looking to refinance your 15th home, we’ve got you covered. People Driven Credit Union is one of the largest credit unions in Metro Detroit.
*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. The rate you receive on your loan will be the rate in effect at the time of loan disbursal
People Driven Credit Union is an Equal Housing Lender NMLS #776727