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We Love First Time Home Buyers!

$500 off Closing Costs

or No PMI up to 95% LTV

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  • Summer Mortgage Specials

    No PMI* 

    up to 95% Loan to Value

    *No Private Mortgage Insurance (PMI) up to 95% loan to value (LTV) on conventional loans that meet all Fannie and Freddie Guidelines. The minimum credit score for a 95% no PMI offer is 680. Available 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 lending products are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may vary based on borrower qualification and collateral conditions. Refinancing an existing mortgage loan may cause the total finance charges to be higher 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 Road,  Southfield MI 48033 | (248) 263.4111| 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.

    $500 off 

    closing costs*

    *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 only. Eligible loan applications must be submitted between 5/1/2022 and 8/31/2022. Discount will not be applied until closing on the appropriate closing documents. This promotion may not be combined with any other promotion or discount. People Driven Credit Union reserves the right to cancel this promotion without notice. All lending products are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may vary based on borrower qualification and collateral conditions. Refinancing an existing mortgage loan may cause the total finance charges to be higher 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 Union24333 Lahser Rd., Southfield MI, 48033 | (248) 263.4111 | 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.

  • Overview

    Mortgage Products:

    • Freddie Mac Fixed Rate
    • Fannie Mae Fixed Rate
    • Adjustable-Rate Mortgages 
    • Home Possible (Freddie Mac)
    • Home Ready (Fannie Mae)
    • Construction
    • Super Conforming
    • FHA
    • VA
    • RD/USDA

    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

    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.

    TruStage Insurance Agency. Home insurance savings for hard working people.

  • Contact us
    • Darlene Papanichola

      Darlenep@peopledrivencu.org

      call (248) 263-4127

      Real Estate Specialist

      NMLS #1324757

  • Rates

    Complete this short form to get the latest mortgage rates

  • FAQs

    Frequently Asked Questions

    • 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:
    • FHA
    • VA
    • RD/USDA
    • Copy of your driver’s license
    • Last 2 years W2’s
    • Most recent 30 days span of paystubs
    • Last 2 years Federal Tax Returns
    • Most recent two months bank statements, all pages
    • Contact information for homeowner’s insurance agent
    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.

Ready to get the money you need?

Take advantage of record low rates

Digital Application
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.

*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  NMLS #776727

MORTGAGE LOANS with People Driven

*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. Eligible loan applications must be submitted between 11/1/2020 and 12/31/2020. Discount will not be applied until the time of closing on the appropriate closing documents. This promotion may not be combined with any other promotion or discount. All loans are subject to approval. People Driven Credit Union reserves the right to cancel this promotion at any time without notice. Additional restrictions may apply.

Lower your monthly mortgage payment

Eliminate Mortgage Insurance payments

Consolidate debt Draw on your home’s equity, get cash out!

Switch from an Adjustable Rate (ARM) to a Fixed Rate loan

 

Closing Costs Promo:

*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 only. Eligible loan applications must be submitted between 5/1/2022 and 8/31/2022. Discount will not be applied until closing on the appropriate closing documents. This promotion may not be combined with any other promotion or discount. People Driven Credit Union reserves the right to cancel this promotion without notice. All lending products are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may vary based on borrower qualification and collateral conditions. Refinancing an existing mortgage loan may cause the total finance charges to be higher 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 Union24333 Lahser Rd., Southfield MI, 48033 | (248) 263.4111 | 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.

No PMI Program:

*No Private Mortgage Insurance (PMI) up to 95% loan to value (LTV) on conventional loans that meet all Fannie and Freddie Guidelines. The minimum credit score for a 95% no PMI offer is 680. Available 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 lending products are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may vary based on borrower qualification and collateral conditions. Refinancing an existing mortgage loan may cause the total finance charges to be higher 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 Road,  Southfield MI 48033 | (248) 263.4111| 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.