Home Loan in Troy


Coin Stacks with Homes

Your home is central to your everyday life, so it’s important to make smart financial decisions to keep you safe and comfortable. During the home buying process, your options for mortgage terms and interest rates may be limited by your credit score, but a mortgage refinance makes it possible for you to lower your monthly payment later.

With a mortgage refinance or home loan from a credit union, you can avoid excessive interest and get personalized, friendly service from a hometown institution serving Troy, Michigan. Credit unions’ nonprofit structure allows them to focus on serving members instead of prioritizing profits.

Mortgage Options

Mortgage refinancing helps make your existing mortgage more manageable by giving you a new, lower monthly payment at a lower interest rate. Your credit union pays off your existing mortgage, then provides you with a new loan to pay off over time.

Like regular mortgage loans, mortgage refinancing usually has a term of 10-30 years, and payments are made monthly. Your credit union can work with you to determine your budget, then propose a refinancing plan that works for you. You may be able to adjust the term of the loan depending on your family’s needs.

Home Improvement Loans

Home improvement loans allow you to take on much-needed repairs, make additions, or even install a pool in time for summer. These loans make it easy to increase the value of your home without having to wait to save up money.

A low-interest home improvement loan or a home equity line of credit from a credit union are much better options than a loan from a payday lender or another for-profit entity. We understand the importance of adding to and fixing up your home, so we prioritize serving you with the lowest rates possible.

Your Real Estate Partner

Even if you didn’t get the best rate possible when buying a home, you can reach out to our loan officers for a personalized explanation of the mortgage refinance options available to you. You can also learn more about our other loan programs, like home improvement loans and home equity lines of credit.

T&I Credit Union serves Troy, MI, and many other cities in the Detroit Metro area. We provide world-class service right in town, and our loan officers can meet with you face-to-face to discuss your best options. Call us at 1 (800) 338-3908 to learn more about our home loan options.


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