Home Mortgage Loan Options:
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Fixed Term Mortgage Loans
Personalized service, competitive rates, and flexible financing options tailored to your needs.
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Adjustable Rate Mortgage Loans
Take advantage of a lower initial interest rate with a 7/1 or 10/10 Adjustable Rate Mortgage (ARM) loan.
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Mortgage Refinance
Bundle all your debt into a low-interest rate and improve monthly cash flow.
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Bridge Loans
Convert the equity in your current home into the down payment for your next purchase.
Find the Right Mortgage for Your Dream Home
Not every home loan works the same way, and the right one depends on where you are in life. Are you buying your first home and working with a smaller down payment? Refinancing to a lower rate? Building from the ground up? Each situation calls for a different loan structure, and that matters both for your monthly payment and your long-term costs.
Here is a quick way to think about it. Fixed-rate loans give you a payment that never changes, which makes budgeting easier over time. Adjustable-rate mortgages start lower and can work well if you plan to move or refinance within a few years. Government-backed loans like FHA, VA, and USDA options are designed to make homeownership more accessible with lower down payment requirements or zero down for those who qualify. Specialty programs like HomeReady and Home Possible are built for buyers with moderate incomes who still want a real path to owning a home.
As a credit union, PDCU serves members across Michigan. All lending decisions are made without regard to race, color, religion, national origin, sex, familial status, disability, or any other protected class. We follow the Equal Credit Opportunity Act and the Fair Housing Act in all mortgage-related activities. We will review all of your Mortgage Loan Options with you on a one on one basses.
Fixed-Rate Mortgage Loan Options for Predictable Payments
Mortgage Loan Options Designed for First-Time & Moderate-Income Buyers
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Home Possible® (Freddie Mac)
Affordable homeownership is possible—with low down payments and flexible options from Freddie Mac.
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HomeReady® (Fannie Mae)
Designed for first-time or low-to-moderate income buyers—HomeReady® helps you buy with just 3% down.
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FHA Mortgage
A great option for first-time buyers—enjoy easier credit requirements and low down payments.
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Zero Down Purchase Program
Buy a home with up to 100% financing.
Loans Designed for Health Care Industry Workers
US Government-Backed Loans for Veterans & Rural Buyers
Mortgage Loan Options for Unique Home Goals
Specialty Loans for Unique Home Goals
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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.
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Construction Loans
Don't build your dream home from the ground up with flexible construction financing from PDCU.
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Super Conforming Loans
Need a higher loan amount? Go beyond standard limits with our Super Conforming Mortgage options.
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
Connect with Michelle
616-301-1714 | NMLS ID: #401292 | People Driven Credit Union NMLS ID: #776727
Learn More About Mortgages
Mortgage Refinance vs. Home Equity Loan: Which Is Right for You?
If you are a homeowner weighing your options to access cash or lower your monthly payment, two paths come up most often: a Mortgage Refinance and a Fixed Rate Home Equity Loan. Both let you tap into the value you have built in your home. Both can save you money or give you access to funds. But they work differently, ......Read More
People Driven Credit Union Earns National Recognition for Best Mortgage Loan Experience
People Driven Credit Union has been named a 2026 MemberXP Best of the Best Award winner for Best Mortgage Loan Experience. This national recognition places PDCU among the top-performing credit unions in the country for member experience in mortgage lending. What Is the MemberXP Best of the Best Award? The MemberXP Best of the Best Awards are presented by CUSG ......Read More
USDA Loans: The Hidden Options for Rural Homebuyers
A mortgage loan is the largest expenditure in the vast majority of budgets, so it is no secret that many people could use a bit of a boost to help lighten the burden. The United States Department of Agriculture (USDA) wants to help. If you are looking to buy a home in a rural area, you might be eligible for ......Read More
How Long Does It Take to Close on a House in 2026?
How long to close on a house? The typical mortgage closing timeline is 30 to 45 days. That is the national average for conventional fixed-rate and adjustable-rate mortgages. But that number can shift significantly depending on how you are financing the purchase, the property’s condition, and the market conditions when you are buying. Here is a clear breakdown of what ......Read More
Loan Management Links
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Make a Loan Payment
PDCU offers options for making your loan payment.
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Make a Credit Card Payment
Convenient ways you can make a Rewards Driven Credit Card payment at PDCU.
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Skip-A-Payment
Take a Break from Your Loan Payments with PDCU’s Skip-A-Payment Program.
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Manage Your Loan
Use the MyPDCU app or the online banking portal to access and manage your loan details.
