Mortgages Start at
Afena Federal Credit Union
Whether you're looking to purchase your dream home or refinance your current mortgage, Afena Federal Credit Union is here to help!
THE COMPANIES THAT MAKE THEIR LIFE SIMPLE
Let us help you find the right loan
for your perfect home!
FIRST BENEFIT
SECOND BENEFIT
THIRD BENEFIT
@IWantSimple A big part of our process is about validation and details, but speed to market is also key. Make it simple!
@IWantSimple A big part of our process is about validation and details, but speed to market is also key. Make it simple!
Apply today to make your
dream home a reality!
Full Suite of Mortgage Loan Programs to fit your unique needs!
About your
mortgage options
We provide solutions for your unique mortgage needs. From purchase to refinance, we offer programs to help you achieve your home financing goals.
Wide Range of
Mortgage Programs
We offer a wide range of mortgage programs, including several flexible loan options to fit different borrower needs.
Affordable Down Payment Programs
Many of our loan programs offer flexible down payment requirements to make buying a new home more affordable.
Competitive Rates
and Closing Costs
Our mortgage rates are constantly changing so that we can stay competitive in the industry. We also keep our closing costs low to help you save money.
Easy Online Application
Our easy online mortgage application allows you to apply whenever works best for your schedule from virtually anywhere.
Full Team of Mortgage Experts
We are backed by a full team of mortgage experts to walk you through the mortgage process from application to closing.
Purchase or Refinance
Whether you're looking to purchase a new home or refinance your existing mortgage loan, we're here to help you with every step.
If you have questions and want to talk about your specific situation, call our expert Mortgage Consultant from Member First Mortgage today:
Sr. Mortgage Consultant
Ready to get started?
* This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Jim Rogers, NMLS #235651, is authorized to act as an agent of Afena Federal Credit Union and is authorized to represent Member First Mortgage, LLC (‘MFM’). MFM (616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532) is a Licensed Mortgage Lender/Servicer and a partner of Afena Federal Credit Union (424 N Bradner Ave, Marion, IN 46952 | (765) 664.8089 | NMLS ID: 709529). For MFM’s state disclosure information, please visit MFM’s website. For NMLS licensing information, please visit www.nmlsconsumeraccess.org | Equal Housing Opportunity.
*Jim Rogers, NMLS ID #235651 is authorized to act as an agent of Afena Federal Credit Union and is authorized to represent Member First Mortgage, LLC (MFM). For MLO Licensing information, please visit NMLS Consumer Access.
Tell Us About Yourself
I want first-time homebuyer perks
Special features and benefits exclusively for first-time buyers.
I want a payment that doesn’t change
Fixed-rate loans lock in your rate and term for the life of the loan.
I want an affordable down payment
Multiple loan options that help with restricted incomes or lower credit scores.
I want military or veteran perks
Loans with fewer credit requirements and low to no down-payment options.
I want a home in a rural area
USDA/RD loans can help make eligible locations more affordable.
Tell us about yourself
I want first-time homebuyer perks
Special features and benefits exclusively for first-time buyers.
I want an affordable down payment
Multiple loan options that help with restricted incomes or lower credit scores.
I want a payment that doesn’t change
Fixed-rate loans lock in your rate and term for the life of the loan.
I want military or veteran perks
Loans with fewer credit requirements and low to no down-payment options.
I want a home in a rural area
USDA/RD loans can help make eligible locations more affordable.
What to Expect
Complete a prequalification application and gather your pay stubs, bank statements, and 2 years of tax returns.
Contact a Real Estate Agent and provide them with your prequalification letter along with a list of your wants/needs in a new home.
We will send you the loan estimate and early disclosures. Then we can move forward with underwriting the loan and ordering the appraisal.
Once you've found the perfect home and your offer has been accepted, you'll need to sign a Purchase Agreement so we can begin the financing process.
After the appraisal comes back and all conditions are met for underwriting, your loan will be clear to close.
All documents will then be finalized and your closing date will be scheduled!
On closing day, all final documents will be signed. Congratulations, you're a homeowner!
*Every mortgage is unique. This step-by-step process is simply to serve as a general outline of what you can expect during the mortgage process. We make no guarantees in regards to timelines, required documentation, approval, etc.