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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Totally Gold Checking
Totally Gold Checking
SmartLine Home Equity Loan
SmartLine Home Equity Loan
Professional Mortgage Loan
We admire your dedication to taking care of others, and want to recognize that. MSUFCU's Professional Mortgage Loan provides you the financial flexibility you need.

• As little as 3% down
• For the purchase of a primary residence only
Rates as low as 6.250%
• No requirement for private mortgage insurance (PMI)
• Available with at least one borrower licensed and employed as a Medical Doctor (including Residents), Dentist, Veterinarian, Accountant, Attorney, Advanced Practice Providers, and more
• Employment verification letter or employment offer letter may be used for qualification
• Gift funds may be used for qualification
• Student loans deferred for 12 months may be excluded from qualifying ratio in some instances

To apply, click the Apply Now button below, in the OU Credit Union Mobile app, by phone or at a branch. If you have questions, contact the Mortgage Department directly at 517-333-2424 option 3.
60-Day Pre-Approval
Rate Guarantee
With a preapproval, you'll have a guaranteed rate for 60 days while you look for the perfect home.
Apply in the
Mobile App
On-the-go looking at houses? With just a few taps of your finger, you can apply for a mortgage from anywhere with our mobile app.
As low as
3% down
With as low as 3% down on your mortgage, you'll be able to save the rest of your money for the expenses that come with owning a new home.
Mortgage Rate
Modification
Lower your rate and possibly shorten the term of your existing OU Credit Union mortgage loan.
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Who qualifies for the Professional Loan?
This loan may be perfect for you if you are a:

• Medical Doctor (including Residents)
• Dentist
• Veterinarian
• Optometrist/Ophthalmologists
• Chiropractor
• CPA
• Attorney
• Advance Practice Providers: (Physician Assistant, Nurse Practitioner, Clinical Nurse Specialist, Nurse Anesthetists)

If you have questions about qualification, contact the Mortgage Department directly at 517-333-2424 option 3
View All FAQs
Home loans available for owner occupied homes in the following states: Michigan, Alabama, Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Minnesota, Missouri, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Virginia, Washington, Wisconsin. Currently non-owner-occupied, construction, and manufactured home loans are only available in Michigan. Rates are based on creditworthiness, loan-to-value (LTV), property type, and other factors associated with your loan application, your rate may be higher.

Fixed-Rate Mortgage Loan Payment Example: A primary residence, owner-occupied, single family home in Michigan, with a purchase price of $250,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $200,000 borrowed at a 5.50% interest rate (5.581% APR) for a term of 360 months would require monthly payments of $1,135.58. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.

Jumbo Fixed-Rate Mortgage Loan Payment Example: (Minimum loan amount $647,200): A primary residence, owner-occupied, single family home in Michigan, with a purchase price of $809,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $647,200 borrowed at a 5.50% interest rate (5.525% APR) for a term of 360 months would require monthly payments of $3,674.73. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.

5/1 ARM Mortgage Loan Payment Example: A primary residence, owner-occupied, single family home in Michigan with a purchase price of $250,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $200,000 borrowed at 4.25% interest rate (APR Rate 4.521% ) for a term of 360 months would require monthly payments of $983.88. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. With a 5/1 ARM, your loan will have an initial fixed-rate period of 60 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Rate is variable after the fixed-rate period and subject to change every year for the remaining life of the loan. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.