No Money Down and No PMI Mortgage Special

It takes time to find the perfect home. But Arbor Financial makes it easy to find the perfect mortgage. Get into your dream home with zero down! Our no money down mortgage special has terms up to 30 years with NO PMI, so you can save money AND get the house you want! Already have the perfect home? Drop your PMI when you bring your mortgage to Arbor Financial. 

  • No money down. 
  • No Private Mortgage Insurance (PMI)
  • 100% financing
  • Available in 30, 15, 10 and 7-year terms*
  • Locally serviced at Arbor Financial Credit Union
  • For a limited time!

Speak to a mortgage specialist 269.544.3105 or email

 Apply Online View Rates

*30-year Mortgage Special requires new money, no internal refinances. Internal refinancing of the 15, 10 and 7-year terms requires $20,000 or more of new money - call for details.

With a locally serviced Arbor Financial Credit Union mortgage, you'll experience:

  • An easy application process with a quick response
  • Great rates and low closing costs
  • Rate locks, so you can secure your low rate
  • Convenience of an escrow account 
  • You'll always speak to a familiar Arbor Financial Credit union staff member regarding your loan

Mortgage Options

Conventional Fixed Rate Mortgages

Whether you need a short-term or long-term loan, a conventional mortgage provides you with a low fixed rate for the entire life of your loan.

  •  7, 10, 15, 20 and 30-year terms are available
  •  Variety of payment terms to fit your needs 
  •  Serviced at Arbor Financial Credit Union

 Apply Online View Rates

3% Down Mortgage

Perfect for first-time home buyers who have limited funds for a down payment. 

  • 15, 20 and 30-year terms are available
  • Low 3% down payment
  • Serviced at Arbor Financial Credit Union

 Apply Online View Rates

Bi-Weekly Mortgage

A structured way to knock off years from the life of your loan, a bi-weekly mortgage pays down the loan principal faster and makes an extra payment every year.

  • 15, 20 and 30-year terms are available
  • Save thousands of dollars in interest 
  • No additional fees
  • Loan to Value maximum of 97%
  • Serviced at Arbor Financial Credit Union

 Apply Online View Rates

Jumbo Mortgage 

For loans exceeding the conventional mortgage loan amount of $453,101.

  • 15, 20 and 30-year terms are available
  • For mortgage loans between $453,101 and $1,000,000
  • Competitive low interest rates and closing costs
  • Loan to Value maximum of 80%
  • Serviced at Arbor Financial Credit Union
 Apply Online View Rates

10-Year Mortgage

Use the equity in your home and borrow up to 100% of its current value at a low fixed rate.

  • Great way to consolidate your debt into one low-rate mortgage 
  • Serviced at Arbor Financial Credit Union
 Apply Online View Rates

Physician Mortgage 

Home loans designed for medical doctors, dentists, residents, fellow, or veterinarians. 

  • 15, 20 and 30-year terms are available
  • Financing up to 100% - No money down on single family homes
  • Financing up to 90% on condominiums
  • No Private Mortgage Insurance (PMI) payments
  • Serviced at Arbor Financial Credit Union

Contact a Loan Officer

Construction Loans

  • One-time closing costs
  • Low, fixed-rate loans
  • Ease your cash flow; only pay interest during construction phase
  • Flexible financing terms from 10 to 30 years

 Contact a Loan Officer

Vacant Land Loans

  • Land limited to 10 acres or less; residential use
  • Low, fixed-rate terms of 7, 10 and 15 years
  • Loan to Value maximum of 80%

 Contact a Loan Officer

FHA, VA, Rural Development, and Manufactured Home Loans

Contact us for details regarding FHA, VA, Rural Development and Manufactured Home loan options.

Contact a Loan Officer

Cash-Out Refinances

With cash-out refinancing, you refinance your mortgage for more than you currently owe, then pocket the difference.

Contact a Loan Officer

Insurance Options

Mortgage Protection Insurance

Mortgage Protection Insurance is an optional benefit to our members for just a few dollars per month available through First Service Corporation. Programs available include: Mortgage Life, Mortgage Accidental Death, and Mortgage Disability. 

Private Mortgage Insurance

Private Mortgage Insurance is required when the loan involves a down payment of less than 20% of the value of the home. Premiums may be tax-deductible.**

*Annual Percentage Rate. APR will vary based on final loan amount and finance charges. Payment example: A $130,000 loan with a rate of 4.250% and 360-month (30-year) term would have a payment of $639.52. Payments do not include taxes, actual payment obligation may be higher. Programs, rates, terms and conditions are subject to change without notice. Not all applicants will qualify. Certain restrictions apply for internal refinancing - call for details. For a limited time. 

**Consult your tax advisor for details.