Real Estate Services
Real Estate Loans

Whether you're buying or building a home, or simply want to take advantage of low rates to refinance your mortgage or take out a home equity loan, METRO Credit Union has convenient, affordable loan programs with competitive rates, flexible terms and outstanding personal service to help you every step of the way.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

First Mortgages
Now may be the time to buy, build or refinance
your dream home. And METRO's mortgage
division, Member First Mortgage, may have the
right mortgage package for you! The Member First Mortgage Dream ApprovalTM is a no-obligation online application. Apply today at: www.memberfirstmortgage.com.

Check out our current mortgage rates and apply online at the Member First Mortgage web site. You can also use online tools like the loan pre-qualifier, mortgage calculators and more to get all the information you need.

If you prefer, you can also apply by phone or in-person. Just call METRO's in-house mortgage department at (586) 276-0000 Ext. 2525. You can also apply in-person at METRO's Main Office. To make an appointment, give us a call or use our convenient online appointment scheduler.

If you have any questions, feel free to contact us.

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Second Mortgages
If you're looking for an affordable way to consolidate debt or finance a major purchase, consider borrowing against your home's equity with a fixed-rate second mortgage. With METRO Credit Union, we have a number of flexible options that may make this the right choice for your needs.

Contact METRO's Real Estate Services Department at (586) 276-3000 today for more information or to apply.

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Home Equity Lines of Credit
A home equity line of credit is simply one of the most cost-effective, convenient ways to finance a major purchase. Use the buying power of your home's equity to begin a home improvement project, consolidate bills, take a dream vacation, landscape your yard, pay for college tuition or achieve whatever goal you have.

Adjustable Rate Home Equity Line of Credit
METRO Credit Union offers you the convenience of being able to access your revolving line of credit using a Home Equity Platinum Visa® card or convenience checks. Plus, we feature these other benefits:

  • Special four-month introductory rates
  • Competitive base rates
  • No costly start-up fee (Some restrictions may apply.)
  • Potential tax benefits (Consult your tax advisor for details.)
  • Worldwide acceptance at participating Visa merchants

APR represents annual percentage rate. All loans subject to credit approval. Introductory and base rates are based on the prime rate as published in the Wall Street Journal on the 25th of each month and are subject to change. Certain conditions apply.

For more information and to learn how you can apply, call (586) 276-3000. Click here for rate information.

Fixed-Rate Home Equity Line of Credit
As home loan rates continue to climb, you have the option to lock-in to a fixed-rate home equity line of credit. This home loan features the convenience of a home equity line of credit without having to worry about your rate changing, ever!

So, take a vacation. Plan a wedding. Pay for your child's education. Whatever your plans may include, they are now made affordable with this home equity option that features:

  • A low, fixed-rate
  • Flexible revolving line of credit with a five-year draw period
  • Quick access to your funds with a Home Equity Platinum Visa® or convenience checks
  • No closing costs or set-up fees*
  • Potential tax benefits (Consult your tax advisor for details.)
  • Worldwide acceptance at participating Visa merchants

For more information and to learn how you can apply, call (586) 276-3000. Click here for rate information.

APR represents annual percentage rate. Some restrictions may apply. All loans subject to credit approval. *A $200 processing fee will be assessed if an advance of $5,000 or more is not made within 30 days or if pre-payment is made in full within 24 months.

Need to re-order your home equity line of credit convenience checks?
Call (586) 276-3000, Ext. 3546, or e-mail us at info@metroconnect.org to order them today. (Note: For faster service when re-ordering by e-mail, please type "Home Equity Check Re-order" in the subject box.)

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Construction Loans
Building your own home can have many rewards, but it comes with its own set of financial challenges. Contractors, materials, inspections and more ... at each phase of construction, there are new expenses to pay.

Take advantage of an affordable construction loan from METRO Credit Union. We help you go from the ground-breaking to the house-warming with a loan that takes the hassle out of financing the construction of your dream home. So, before you look at the blueprints, contact METRO Credit Union at (586) 276-3000.

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