Michigan Schools & Government Credit Union

Michigan Schools and Government Credit Union (MSGCU) is a trusted, member-owned financial institution offering comprehensive, affordable mortgage solutions to help Michigan residents achieve homeownership. Whether you are a first-time homebuyer, relocating, or looking to refinance, MSGCU provides competitive rates, low closing costs, and personalized, local service from pre-approval to closing.

Our versatile portfolio of mortgage options includes:

• Fixed-Rate Mortgages: Secure a stable, predictable monthly payment with flexible 10- to 30-year terms.
• Adjustable-Rate Mortgages (ARMs): Take advantage of lower initial rates, ideal if you plan to move or refinance in a few years.
• First-Time Homebuyer Programs: Benefit from specialized low-down-payment options, flexible credit guidelines, and educational guidance.
• Government-Backed Loans: Accessible financing through FHA programs designed to make home buying affordable.
• Specialized Property Loans: Custom solutions for financing condominiums, construction projects, and vacant land.