Our
Products

Whether you are a first-time or an experienced home buyer, Michigan Mutual, Inc. has mortgages that are perfect for any type of home or financial situation. Whether you're seeking a fixed interest rate, an adjustable rate that will allow you to pay less interest up front, or a low down payment, Michigan Mutual, Inc. can connect you with a loan that is tailored to your circumstances.

Michigan Mutual, Inc. helps simplify the home buying process. When you're ready to apply for a mortgage, you can start by completing our online application. If you would like to learn more about our home loan options, call us at 1-800-700-5839 to speak with one of our mortgage experts or Apply Here.

  • Fixed Rate Loans
  • Adjustable Rate Loans
  • First-Time Home Buyer Loan Options
  • Second Home and Investment Property Loans
  • Conventional Loans
  • FHA Loans
  • 203K Rehab loans
  • VA Loans
  • USDA Rural Development Loans

Our Products: Buying a Home
Fixed Rate Loans


Fixed rate mortgages allow you to keep the same interest rate for the entire life of your loan, and most products offer terms in lengths of 10, 15, 20, 25, or 30 years. Since your interest rate and principal payment will always stay the same, this program is ideal for clients who expect to stay in their home for an extended period of time or who want the security of a steady payment.

Our Loan Experts Are Here To Help:

Call us at 1-800-700-5839 or Apply Here

Our Products: Buying a Home
First Time Home Buyer Loan Options

First-time home buyers have access to numerous mortgage options that can help make their home purchase easier and more affordable than standard loan programs. To learn more about these options, please complete an online application and or contact one of our lending experts to discuss our programs.

Our Loan Experts Are Here To Help:

Call us at 1-800-700-5839 or Apply Here

Our Products: Buying a Home
Investment Property Loan Options


Michigan Mutual, Inc. offers financing for 1- to 4-unit investment properties. Clients can finance multiple investment properties through our loan program, and investment property mortgages are available as fixed rate or adjustable rate loans.

To find out if this program is right for you, contact a loan expert:

Call us at 1-800-700-5839 or Apply Here

Our Products: Buying a Home
Adjustable Rate Loans


Adjustable rate mortgages (ARMs) have interest rates that are subject to change at some point during the loan term. Most adjustable rate loans come in 30-year repayment terms. However, the loan's initial interest rate will change after a negotiated period of 3, 5, 7, or 10 years.

ARMs allow clients to receive a lower interest rate at the beginning of their loan term than what is currently offered through fixed rate programs. This is a great loan alternative for clients who only plan to stay in their home for a few years – typically moving before the rate is scheduled to change – or if you are refinancing from a higher rate loan.

To find out if this program is right for you, contact a loan expert:

Call us at 1-800-700-5839 or Apply Here

Our Products: Buying a Home
FHA Loans


FHA loans can be a perfect option for first-time home buyers. This program can be easier to qualify for than traditional mortgage programs. It also allows a minimum down payment of 3.5% and generally has lower interest rates. Michigan Mutual, Inc.'s team of mortgage professionals can help you decide whether an FHA loan is right for you.

To find out if this program is right for you, contact a loan expert:

Call us at 1-800-700-5839 or Apply Here

Our Products: Buying a Home
VA- Veterans Loans


The U.S. Department of Veterans Affairs (VA) guarantees home loans for qualified clients who served, or are still serving, in the military. VA loans also can be available for spouses of personnel who have died as a result of active duty.

This program allows you to buy a home without a down payment and without buying private mortgage insurance (PMI). Clients don't have to be first-time home buyers to qualify for VA loans, and the program benefits can be used more than once.

To find out if this program is right for you, contact a loan expert:

Call us at 1-800-700-5839 or Apply Here

Our Products: Buying a Home
USDA Rural Development Loans


The U.S. Department of Agriculture (USDA) provides a loan guarantee program for clients looking to buy homes in rural communities. USDA Rural Development home loans can allow you to buy a home with no down payment, flexible credit guidelines and less expensive mortgage insurance.

To find out if this program is right for you, contact a loan expert:

Call us at 1-800-700-5839 or Apply Here

Our Products: Refinancing a Home
Fixed Rate Loans


Fixed rate mortgages allow you to keep the same interest rate for the entire life of your loan, and most products offer terms in lengths of 10, 15, 20, 25, or 30 years. Since your interest rate and principal payment will always stay the same, this program is ideal for clients who expect to stay in their home for an extended period of time or who want the security of a steady payment.

Our Loan Experts Are Here To Help:

Call us at 1-800-700-5839 or Apply Here

Our Products: Refinancing a Home
Investment Property Loan Options


Michigan Mutual, Inc. offers financing for 1- to 4-unit investment properties. Clients can finance multiple investment properties through our loan program, and investment property mortgages are available as fixed rate or adjustable rate loans.

To find out if this program is right for you, contact a loan expert:

Call us at 1-800-700-5839 or Apply Here

Our Products: Refinancing a Home
Adjustable Rate Loans


Adjustable rate mortgages (ARMs) have interest rates that are subject to change at some point during the loan term. Most adjustable rate loans come in 30-year repayment terms. However, the loan's initial interest rate will change after a negotiated period of 3, 5, 7, or 10 years.

ARMs allow clients to receive a lower interest rate at the beginning of their loan term than what is currently offered through fixed rate programs. This is a great loan alternative for clients who only plan to stay in their home for a few years – typically moving before the rate is scheduled to change – or if you are refinancing from a higher rate loan.

To find out if this program is right for you, contact a loan expert:

Call us at 1-800-700-5839 or Apply Here

Our Products: Refinancing a Home
FHA Loans


FHA loans can be a perfect option for first-time home buyers. This program can be easier to qualify for than traditional mortgage programs. It also allows a minimum down payment of 3.5% and generally has lower interest rates. Michigan Mutual, Inc.'s team of mortgage professionals can help you decide whether an FHA loan is right for you.

To find out if this program is right for you, contact a loan expert:

Call us at 1-800-700-5839 or Apply Here

Our Products: Refinancing a Home
VA- Veterans Loans


The U.S. Department of Veterans Affairs (VA) guarantees home loans for qualified clients who served, or are still serving, in the military. VA loans also can be available for spouses of personnel who have died as a result of active duty.

This program allows you to buy a home without a down payment and without buying private mortgage insurance (PMI). Clients don't have to be first-time home buyers to qualify for VA loans, and the program benefits can be used more than once.

To find out if this program is right for you, contact a loan expert:

Call us at 1-800-700-5839 or Apply Here

Our Products: Refinancing a Home
USDA Rural Development Loans


The U.S. Department of Agriculture (USDA) provides a loan guarantee program for clients looking to buy homes in rural communities. USDA Rural Development home loans can allow you to buy a home with no down payment, flexible credit guidelines and less expensive mortgage insurance.

To find out if this program is right for you, contact a loan expert:

Call us at 1-800-700-5839 or Apply Here