Ready to Refinance?
We are ready to help.

If you are looking to lower your mortgage payment each month, cash out for a special project, or pay off your mortgage faster, our refinance options paired with our great rates can Take Your Dreams Higher.

Best of the Best

We are proud to have been voted 
Best Mortgage Lender 
by Macomb Daily in 2019!


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What type of mortgage fits your needs?


Fixed Rate Mortgage

  • Terms vary with 10, 15, 20 and 30 year fixed terms.
  • The property is used to secure the loan and a lien is placed on the property.

Adjustable Rate Mortgage (ARM)

  • If you're considering a home purchase, but not sure how long you will be in your home, then an adjustable rate mortgage may be a great option.
  • Your mortgage payments are calculated on a 30 year amortization period.
  • Our adjustable rate loans allow up to 90% loan-to-value
  • No Private Mortgage Insurance (PMI) is required
  • Low, adjustable rates are based upon the term of mortgage selected and the credit history of the borrower. Rate adjustments vary depending on the ARM selected:
    • 3 year ARM adjusts every 3 years
    • 5 year ARM adjusts every 5 years
    • 7 year ARM adjusts every 7 years

VA Mortgage
(Veterans Administration)

  • FreeStar Financial Credit Union offers flexible terms to fit your lifestyle. Select from 10, 15, 20 and 30 year fixed terms.
  • No down payment needed
  • No Private Mortgage Insurance (PMI) is required
  • Finance up to 100% of your primary home’s value
  • No closing costs for active duty members with direct deposit. That’s a $300 savings!
  • Eligibility Requirements

First-Time Home Buyer

  • If you have not owned a home within the last three years, you qualify as a first-time home buyer and can get into your new home for as little as 3% down. Choose from fixed or ARM.

Complimentary Mortgage Analysis

As a member-owned cooperative, FreeStar Financial is able to offer excellent rates. A complimentary analysis takes just minutes and could help you learn how you can substantially reduce your monthly loan payments by refinancing your current mortgage with FreeStar Financial. Call today to get started on saving each month.

*APR = Annual Percentage Rate. Rate is “as low as” and may change based on credit history, collateral, term, and other determining factors.  NMLS#411386,

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