From first homes to forever homes, we'll help you make your next big move.
So you've found the perfect home? That's exciting. Now you need to find the right financing - that can make anyone uneasy. Relax! We've got you covered. Whether you've chosen a raised ranch or vintage Victorian, a country farmhouse or in-town apartment, our knowledgeable lending team is ready to explain all your mortgage options and smoothly guide you through the application process.
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Fixed-rate loans with competitive rates
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Repayment terms up to 30 years
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First-time homebuyer programs available
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Convenient online application
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Potentially save money with our refinancing options
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Personal assistance from a licensed mortgage professional
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Integra First and all of our mortgage lenders are federally licensed. You can look up their licensing numbers and then do a search on the Nationwide Mortgage Licensing System (NMLS) Consumer Access website.
Get Started
- Get in touch with a lending professional at our Menominee, Powers or Stephenson locations by stopping by the office, emailing mortgageloans@integrafirstfcu.com, or calling (833) 694-6834, option 2.
- Apply online and an Integra First representative will get in touch with you to guide you through the process.
- Want to do some research yourself? Browse our rates and read more details about loan options to find the best fit.
Loan Options
Fixed-Rate Mortgages: Rest easy knowing your rate won’t change over the life of the loan and that you'll have the same predictable, affordable payment each month. Choose a 30-year loan to keep monthly payments as low as possible. Or choose a 10-, 15-, or 20-year option to reduce overall interest charges and eliminate debt faster.
Rural Development Mortgage: Backed by the U.S. Department of Agriculture, these loans are for people buying homes in rural areas or select suburbs. These 30-year, fixed-rate mortgages don’t require any down payment and are available to borrowers with less-than-perfect credit.
Rural Development Mortgage: Backed by the U.S. Department of Agriculture, these loans are for people buying homes in rural areas or select suburbs. These 30-year, fixed-rate mortgages don’t require any down payment and are available to borrowers with less-than-perfect credit.
HomeReady Mortgage (Fannie Mae): These government-backed loans are exclusively for first-time homebuyers. Down payments are as low as 3% on loans of 10, 15, 20 or 30 years.
Land Loans: These loans are for recreational property (for hunting or camping, for example) or future homesites. The loans require a 20% down payment, but come with flexible repayment terms.
Balloon Mortgages: These loans are popular with borrowers who plan to move again in several years. After making a down payment of 20% or more, you enjoy low monthly payments and then pay the loan in full with one larger final payment.
Home Equity Line of Credit (HELOC)
It's kind of like a credit card without any plastic involved. A HELOC is a loan fund you can tap into at any time - and as often as you wish - to cover major repairs, big purchases, medical bills, college costs or anything else. As you repay what you've borrowed, you may use the funds again for other purposes.
- Credit limit depends on the equity you have in your home (Equity is the current market value minus your mortgage balance)
- Fixed interest rate (unique to Integra First) protects you against changes in the economy
- Convenient online application
- Access funds through checks, Online and Mobile Banking and at Integra First locations
- Pay interest only on the amount of money actually in use
IFFCU NMLS #463781
*APR = Annual Percentage Rate. Rate and term may vary depending on your credit score and are subject to change without notice. Loan availability and interest rates are subject to underwriting requirements. Membership required and subject to membership eligibility requirements.
Integra First Federal Credit Union is a full-service financial institution serving select counties in Michigan’s Upper Peninsula and Northeast Wisconsin.