At Extra Credit Union, we make homeownership and home improvements more accessible with personalized mortgage options that fit your budget and goals. Whether you’re buying your first home, refinancing, or tapping into your home’s equity, our experienced team guides you every step of the way—always with competitive rates and flexible terms.
Your Path to Homeownership
Unlock Your Home’s Potential
At Extra Credit Union, you're more than just a customer—you're a member-owner. We prioritize your financial well-being by offering personalized service, competitive rates, and a suite of benefits designed to help you achieve your goals.
Feeling buried by high-interest debt? You’re not alone — and you don’t have to face it by yourself. At Extra Credit Union, we created the Debt Crusher Program to give you a way forward. With one manageable monthly payment designed around your budget, we’ll help you take control, pay down what you owe, and finally breathe easier. We’ll even pay off your existing creditors directly — so you can stop stressing about balances and start moving forward.
Debt Crusher is built with you in mind.
We’ll start by reviewing your credit report — not to judge, but to understand your history and help you improve your score. Your loan amount is based on your monthly income, so payments are realistic and sustainable. Once approved, we’ll pay your creditors directly and help you close accounts that are keeping you stuck in the debt cycle.
Discover everyday banking solutions designed to help you save, spend, and plan with ease. From flexible accounts to convenient tools, Extra Credit Union makes managing your money straightforward and stress-free. Ready to find what works for you?
Have questions about banking with Extra Credit Union? We’ve got you covered. Explore our FAQs to find quick answers about accounts, services, fees, and more.
Online at ExtraCreditUnion.org, by calling one of our Mortgage Specialists at (586) 276-3109, or by scheduling an appointment with a Member Service Coordinator at our front desk.
Note: Please be advised that by clicking on/tapping the link above, you are now leaving Extra Credit Union’s website. This link is provided as a courtesy. Extra Credit Union does not control the policies, content, and/or any transactions that occur on third-party websites.
It takes 30 to 45 days from the time of application to closing your loan. This time allows us to thoroughly review income, perform an appraisal of the property, and verify title work. Note: additional information/requirements may apply.
We verify 30 days of pay stubs, two years of federal tax returns, and any fixed annual income statements, such as social security. We’ll also need two months of bank statements, your ID, and proof of insurance on the home.
Note: For any mortgage servicing related questions: Escrow, tax, insurance, payment, fees, statements, payoff, etc. … please call MFM service dept. at (866) 898-1818.
This is typically a written statement from a lender stating that you qualify for a specific loan amount based on credit and income information. Advantages: This allows you to get a good idea of what you can afford while shopping for a home so that you can solely target those within your price range. It also helps to speed up the mortgage process once you find your dream home and the process moves forward. An offer on a home with a pre-approval stands out and might be taken more seriously over a buyer who doesn’t have one.
A mortgage pre-approval is good for 90 days. An auto loan pre-approval is good for 30 days.
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