About LaurieLaurie-Lifestyle-Vertical-3.png

Laurie has been with Arbor Financial since 2004 and says she loves everything about it. Her and her husband, Rob, have four children, Haley, Jake, Lexi, and William, and two fur babies, Miley and Molly. When she's not in the office, Laurie enjoys going to her happy place - a cabin in Idlewild, Michigan. Laurie loves helping and building relationships with members. "I love Arbor and what the organization stands for. I am passionate about being able to help our members with all their financial needs, from financing their dream home to refinancing for better rates, or even just home improvements. We are like a big family here!"​
 

Contact Information

Meet Laurie Brooks, Mortgage Loan Originator.

Email: lbrooks@arborfcu.org                            
Direct Phone: 269.544.3143
NMLS Number:
 703704

Connect with Laurie on LinkedIn

View Mortgage Specials



"Laurie is always ready to answer my questions and help me when I need it...Her friendly and supportive personality is a giant draw for me. You couldn’t ask for a better person to represent your credit union!" - Lynn B.

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Mortgage Loan Specials

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Mortgage Specials

Term Rate with 0 pt as low as* APR with 0 pt as low as* Rate with 1 pt as low as* APR with 1 pt as low as*
PURCHASE OR REFINANCE MORTGAGE SPECIALS
7 Year Fixed Special 1.740% 2.025% - -
10 Year Fixed Special 1.990% 2.193% - -
12 Year Fixed Special 2.240% 2.411% - -

Fixed Rate Mortgages

Fixed Rate Mortgages

Term Rate with 0 pt as low as* APR with 0 pt as low as* Rate with 1 pt as low as* APR with 1 pt as low as*
30 Year 2.875% 2.952% 2.625% 2.701%
25 Year 2.750% 2.839% 2.500% 2.588%
20 Year 2.625% 2.733% 2.375% 2.482%
15 Year 2.500% 2.640% 2.250% 2.389%

3% Down Mortgages

3% Down Mortgages

Term Rate with 0 pt as low as* APR with 0 pt as low as* Rate with 1 pt as low as* APR with 1 pt as low as*
30 Year 4.125% 4.207% 3.875% 4.040%
25 Year 4.000% 4.094% 3.750% 3.940%
20 Year 3.875% 3.988% 3.625% 3.853%
15 Year 3.750% 3.895% 3.500% 3.792%
Evaluation required and ordered by a lender to determine value based on physical inspection and comparable sold properties.
Costs associated with purchasing the home and closing the transaction.
Monthly debts (from credit report) plus PITI (principal, interest, taxes, insurance) divided by gross monthly income = DTI.
Required if not putting 20% down. This is an additional monthly fee for the lender to pay property taxes and homeowners insurance (i.e. Principal and interest are $600.00/month. Property taxes are $2,000.00 annual ($166.67/month). Homeowners Insurance is $600.00 annual ($50.00/month). Total monthly payments will be $816.67).
Loan amount divided by purchase price equals LTV.
A closing cost charged by the lender for processing the loan; may also be called Processing Fee or Underwriting Fee.
Principal, interest, taxes, insurance.
The borrower has the option to buy down the interest rate by buying a point. A fee is added to closing costs (i.e. For 1% of the loan amount, the rate will be reduced by .25%).
Items that are required to be pre-paid for closing of the loan. If you escrow for homeowners insurance, one year of prepaid homeowners insurance is required.
Insurance to the lender that the property is free of any liens.
Typically required by the lender if LTV is greater than 80%.
At the time of application, you may choose to lock in your rate for a designated period of time or float and lock in at any time prior to close.

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