Home Purchase Mortgage Loan

Your Story Begins Here!

There are few decisions as important or meaningful as finding the home to build your story in. Whether it's your first home or your forever home, T&I Credit Union is here to help get you into the next chapter of your life. With low rates and friendly service, we are excited to help assist you through this exciting part of your life!

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Mortgage Refinance Loan

Limited Time Special Offer!!!

For a limited time, you choose your term at our low rate of 6.99% rate, no application cost, and our even lower total closing cost of $600!

Why pay more money than you need to? Not only can you save money by lowering your interest rate sooner, but you also pay well below the industry average closing cost when you refinance home loan with T&I Credit Union. From Royal Oak, Birmingham, and Troy, to homes all across Southeast Michigan, we are prepared to give you the home loan you deserve!

• Application fee: $0
• Closing Cost: $600
• No escrow

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*All Loans are subject to credit review and approval. Rates and offers are subject to change without notice. Actual rates may vary based on credit score. Existing T&I loans excluded. Choose your term between 5 to 30 Years. Contact T&I Credit Union for more details on cost of refinancing current T&I Credit Union loans and other details. Effective 09/26/2023.

Home Equity Line of Credit

Use the equity in your home to help pay for home improvement repairs, unexpected emergencies, and more.

• Current Rate (Variable): 8.25% APR
• Borrow up to $125,000
• Application Fee: $75.00
• Your credit line is accessible for 10 years

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*The ANNUAL PERCENTAGE RATE will vary in accordance with an Index. The "Index" is the average "Prime Rate" or "Base Rate" on corporate loans at large U.S. Money Center Commercial Banks as quoted as the average in The Wall Street Journal, "money rates" column. Up to 80% LTV. The margin to be added to the Index is zero (0) percentage points. Currently, the ANNUAL PERCENTAGE RATE is 8.25% per year, which corresponds to a daily rate of 0.02260%. All Loans are subject to credit review and approval. Rates and offers are subject to change without notice. Actual rates may vary based on credit score. Existing T&I loans excluded. Effective 07/01/2022.

Home Improvement Loan

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*Per qualified borrower

*All Loans are subject to credit review and approval. Rates and offers are subject to change without notice. Actual rate may vary based on credit score. Existing T&I loans excluded. Effective 12/31/2022.

NMLS# 809624

Our Service Areas

• Home Loans in Birmingham
• Home Loans in Royal Oak
• Home Loans in Troy