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    PO Box 525
    Oshtemo, MI 49077-0525


    Routing # 272481839

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    Maximize Your Buying Power with a Custom-Made Mortgage from Consumers


    Quick, seamless, and local.
    Never one-size-fits-all.


    Your dream of home ownership can become a reality with Consumers Credit Union's wide range of mortgage options. Mortgages are available for primary residences and vacation homes. Or refinance to save money. A home may be your biggest investment, so let Consumers help with every phase of your mortgage.


    You can apply for your mortgage at any Consumers office or online. We’ll review your home financing needs and help you find the best solution.


    • 0% Down Mortgage Solution

      Consumers 0% Down Mortgage Solution gets you in your home faster and keeps more money in your pocket.


      Benefits include:

      • No money down (Yes! Gift $ is allowed.)
      • Budget friendly with no mortgage insurance
      • No geographic or sales price restrictions
      • No income limits
      • Not limited to first-time home buyers
      • Reasonable underwriting criteria


    • Fixed Rate

      A fixed rate mortgage from Consumers gives you the flexibilty you want. A longer term will enable you to get more house for your money with a lower monthly payment. A shorter term enables you to save money by paying off your balance more quickly and reducing your interest expense. Read more >>


    • High Five Refi

      Home Affordable Refi Program (HARP)

      This unique home loan can help reduce your monthly payments and increase cash flow; it's our version of the federal government's Home Affordable Refi Program (or HARP loans) for refinancing loans owned by Fannie Mae. If you currently have a mortgage with us or somewhere else ask yourself these questions... Read more >>


    • Lot Loans

      Lot loans enable you to obtain a mortgage for the property of your dreams. A low fixed rate will save you money keeping costs down until you’re ready to start construction. Read more >>


    • Construction Lending

      Get all the benefits of Consumers service, now with your construction or major renovation loan! Lock in your rate for up to 12 months, with your choice of rate options. Never one-size-fits-all!


      Are you a builder? How about easy draws off your client's construction loans? Call to apply for our Builder Approval!


    All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral conditions. An active checking is required.

    *As with any major financial decision, we encourage members to consult with a tax advisor. High Five Refi is only available for loans currently owned by Fannie Mae.



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