Offer Good For Conventional Mortgages and Refinance
For the entire month of April 2025, we are dropping our mortgage rates by 0.25%! Whether you’re purchasing a new home or refinancing your current mortgage, now is the perfect time to take advantage of these lower rates.
*APR (Annual Percentage Rate applies). Closing costs apply and are included in the APR. TBACU rates are subject to change and are based on a 45-day lock. Rates and fees may vary based on market conditions. Loan is subject to qualifying. Offer valid through April 30, 2025. TBACU is Federally insured by the NCUA.
Since 1986, TBA Credit Union has been helping members with mortgages. Our mortgage lenders are prepared to provide superior service throughout all of Michigan with the financing of your home.
Our flexible rates, competitive closing costs, relationship-driven loan officers, and a broad range of products make TBA Credit Union the right choice for your home lending needs. Our experienced loan officers will guide you through your journey of homeownership.
We have a solution that fits your needs.
Fixed Rate
Purchase
10-15-20-30-Year Fixed Term
Payment Within Your Budget
Rate Never Changes
Fixed Rate
Refinance
Shorten Your Current Term
Cash-out Option
Debt Consolidation
Other Products Available
Rural Development (RD)
Jumbo Loans
Manufactured Housing
First-Time Home Buyer Loans
Vacant Land Loan
10 Year Fixed Term
5 Year Balloon Amortized 15 Year
10 Year Balloon Amortized 30 Year
Home Equity Loan
Fixed Rates
Line of Credit with 10-yr Draw Period
Lower Rate Options
Fast Local Decisions
Investment Home Equity Loans
VA Loan
Zero Down Payment Option
Low-cost Loan
Easy to Qualify
Residential Construction Loan
Build your perfect Dream Home
Funds Ready When Needed
FHA Loan
Lower Down Payment Requirements
No Income Limitations
Fixed Rates
Mortgage Tips
Things to Avoid During
Mortgage Process
Ready to apply?
Just starting the process? View the checklists below to make sure you have what you need to start the process.
Need an Expert in Your Corner? If you need assistance in choosing the right product or have a quick question for one of our mortgage lenders, please complete the contact form below and we will be happy to assist you.
Contact the Mortgage Team
Mary Burgin
Mortgage Loan Originator
NMLS #1901789
maryb@tbacu.com
231.342.4732
Carrie Eppinger
Mortgage Loan Originator
NMLS #718733
carriee@tbacu.com
231.944.0528
David Powell
Mortgage Manager
NMLS #2542958
davidp@tbacu.com
231.649.0300
Joan Carley
Mortgage Loan Processor
joanc@tbacu.com
231.946.8798
TBA Credit Union Loan Applicants:
Be aware that after applying for a loan, you may receive unsolicited calls and mail. These “trigger leads” are not from us; TBA Credit Union respects your privacy and does not sell your information. Credit bureaus selling your data can lead to these contacts, which we cannot control.
To minimize unwanted calls and mail:
- Opt out by calling 1-888-5-OPTOUT or visiting optoutprescreen.com.
- Register with the Do-Not-Call Registry at donotcall.gov.
Your personal details are used solely for your loan application with us, and we advise ignoring any misleading contacts that may occur.
Mortgage Tips – Things to Avoid During the Mortgage Process
- Employment status should not change. If employment status changes, please let your loan officer know immediately to avoid any delays.
- Do not apply for any lines of credit, including new credit cards.
- Do not make any large deposits or withdrawals from your assets. Regular paycheck deposits are ok.
- Do not stop making loan payments. This includes current mortgage, credit card, loans, etc. Never fall behind on your bills.
- Refrain from making large purchases. IE: new car, new boat, new snowmobile, new furniture, etc.
- Do not change your financial institution if your bank statements were provided to your lender.
(1) 10-year draw period followed by a 10-year repayment period for 1 to 4 family owner occupied/second home occupancy. Interest only payments required during draw period. Rate is variable. (2) TBACU members who meet eligibility criteria can access a home equity line of credit with no closing costs. Property hazard insurance required. Property flood insurance required when applicable. Other terms and conditions may apply. Ask one of our mortgage loan officers for details. Insured by NCUA.