Home Buying Solutions
For most, buying a home is the single largest purchase they'll ever make. That's why it's important to work with someone you trust. 4Front Credit Union offers a variety of ways to purchase or refinance your home and we'll work with you to find the right approach for you and your family. We're pleased to partner with Member First Mortgage (MFM), a Michigan-based mortgage lender wholly owned by 12 credit unions, including 4Front. Our relationship with MFM ensures our members receive top-quality service paired with industry-leading products and rates.
Home Mortgage Services | Lots of paths, all leading to your own front door
Whether you're buying, building or refinancing, 4Front has a mortgage plan to fit your needs. We help our members get pre-qualified for a home loan with personalized service and low fees. Through our mortgage lending partner Member First Mortgage, 4Front offers government, conventional and specialty mortgage solutions aimed at putting our members in the home of their dreams.
Finish Line Mortgage | Accelerate your payoff and save plenty
The Finish Line Mortgage is designed for homeowners who want to pay off their mortgage and be mortgage-free in 10 years. This $500 closing cost, maximum 10-year term mortgage solution is a creative and effective re-financing option that could very well save you thousands of dollars in interest and closing costs.
Featured Mortgage Rates
(updated 01/18/2019 8:25 AM CT)
| Conventional | Rate | *APR | Points |
| 4.622% | 0.250% | 4.172% | 0.250% |
| 97% Conventional | Rate | *APR | Points |
| 5.332% | 0.000% | ||
| FHA | Rate | *APR | Points |
| 5.534% | 0.000% | 5.442% | 0.000% |
* Annual Percentage Rate
A 30 year fixed rate mortgage provides a monthly payment that doesn't change. The fixed rate mortgage is the most popular loan option available today. By choosing a 30 year fixed rate mortgage, you'll have the lowest monthly payment of all the fixed rate loans we offer. Like all the loan programs we offer, there is no prepayment penalty - you can make extra payments monthly or pay off the loan early without penalties or fees.
A 15 year mortgage provides a monthly payment that doesn't change. The fixed rate mortgage is the most popular loan option available today. Often people who are planning for retirement choose the 15-year fixed-rate loan so their home will be paid off when they stop working full time. Monthly payments on a 15-year loan are approximately 25% higher than payments on a 30-year loan even though the interest rates on 15-year loans are typically a quarter of one percent lower. That's because more principal is being repaid with every payment. Like all the loan programs we offer, there is no prepayment penalty - you can make extra payments monthly or pay off the loan early without penalties or fees.
A 30 year fixed rate mortgage provides a monthly payment that doesn't change. The fixed rate mortgage is the most popular loan option available today. By choosing a 30 year fixed rate mortgage, you'll have the lowest monthly payment of all the fixed rate loans we offer. Like all the loan programs we offer, there is no prepayment penalty - you can make extra payments monthly or pay off the loan early without penalties or fees.
FHA mortgages are designed to provide low down payment financing and are a great option to consider if you are trying to finance a new home with as little cash as possible. A fixed rate mortgage provides the security of a monthly payment that won't change.
FHA mortgages are designed to provide low down payment financing and are a great option to consider if you are trying to finance a new home with as little cash as possible. A fixed rate mortgage provides the security of a monthly payment that won't change.
Our local mortgage professionals look forward to ensuring the process is just as satisfying as the product -- a new home or more attractive payment you can take pride in. We encourage you to utilize our handy Quick Consult process below to get started. Tell us what you're seeking and a 4Front mortgage specialist will connect with you promptly to share possible solutions tailored to the needs of you and your family.
Answer a few questions and receive a communication from a 4Front mortgage specialist within 24 hours (Monday - Friday). A no-strings way for those just beginning the home buying or refinancing process to identify their options.
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