Welcome to your new home

We can service all of your home buying/refinancing needs.

We know that buying a home can be stressful, that's why FreeStar Financial Credit Union is committed to helping you along the way, one step at a time.  Our mortgage lenders take the time to answer all of your questions and provide you with the tools to make smart decisions along the way.  Our fixed mortgage rates are very competitive and give you the peace of mind that your rate will not go up during the life of your loan.

What is a first mortgage?

A first mortgage is defined as a loan to finance the purchase/refinance of real estate. Payments are calculated on a 30-year amortization period. Our adjustable rate loans allow up to 90% LTV without requiring PMI.


The first step in your home buying process is getting prequalified

Being ready to make an offer when you find that dream home is critical. A prequalification letter will let the real estate agent or seller knows you're a qualifed buyer.

Contact our Real Estate Lending department to get started at 586-466-7800 opt. 2, or visit your favorite branch to sit down with a Real Estate Lending specialist.

Completed mortgage application 

Two most recent pay stubs for each borrower

Last two year’s W2s or tax returns if self-employed

Two most recent bank statements verifying assets (when required)

Homeowner’s Insurance Policy

Fully executed purchase agreement with all addendums (purchases only)

Statements for all mortgages to be paid off

Statements for all items (credit cards, etc.) to be paid off when refinancing