WHAT OUR CUSTOMERS SAY

Build your dream home with our 

Construction

Program

We offer a one-time close, construction-to-permanent loan program that’s great for members looking to build the home of their dreams! Our one-time close program allows borrowers to simplify and streamline the construction financing process, with just one approval, one closing and one set of closing costs.

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PROFESSIONAL

8

$

/month

Billed Annually

5 active project
10GB space
collaborators

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No Credit Card Required

FREE

0

$

Cost Free Forever

1 active project
100mb space
collaborators

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TEAM

22

$

/month

Billed Annually

25 active project
25GB space
collaborators

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PLUS

89

$

/month

Billed Annually

25 active project
25GB space
collaborators

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No Credit Card Required

All plans include the following features as a standard of our product.

If you have questions and want to talk about your specific situation, fill out the form below and we will reach out to you!

Construction Department

Ready to Get Started?

YOUR CREDIT UNION: NMLS ID# XXXXXX
MEMBER FIRST MORTGAGE, LLC: NMLS ID# 149532

Ready to 
get started?

ABOUTPURCHASE A HOMEREFINANCE YOUR HOMERESOURCESCREDIT UNION ACCESS
MY ACCOUNTAPPLY(866) 898-1818

If you’re ready to apply or have questions and want to talk about your specific situation, fill out the form below and we will reach out to you or call me at (123) 456.7890!

About our Construction Program

One-Time Close

Low Down Payment*

Low Credit Score Requirements*

Free Online Pre-Approval & Application

Allows Financing for 
the Lot, Construction 
& Permanent Mortgage

Permanent Rate Lock Upfront

APPLY NOWHOMEACCOUNTSLOANS & CREDIT CARDSCONNECTSUPPORTLOGINPURCHASEREFINANCEBUILD
DOWNLOAD NOW

Download the Construction Loan Guide

Get our construction loan overview including builder questionnaire, loan guide, and origination overview.

LOAN FEATURES

Enjoy the advantages of a Members 1st construction loan.

SINGLE CLOSING COSTS

One set of closing costs where interest rates are locked before construction.

FLEXIBLE RATE LOCK

Enjoy the flexibility of locking in your interest rate any time during construction.

INTEREST ONLY PAYMENT

Make interest only payments on the loan balance during construction.

FLEXIBLE DOWN PAYMENTS

Landowners can apply the value of their land toward their down payment to minimize upfront costs.

HOW IT WORKS

Our construction financing program features a 12-month term to build the home, with 5 draws throughout the process. Upon maturity, the balance of the construction loan will need to be refinanced into a 15, 20, or 30 year fixed-rate mortgage.

What is the advantage of a Member 1st Construction Loan?

What does a construction loan cover?

How does a construction loan work for a new home?

Prepare for the builder review

Can I purchase a manufactured home?

Do I pay interest as soon as I take the loan out?

Is it flexible if I have to take more money out for unexpected expensed?

Members 1st Credit Union has partnered with Member First Mortgage (MFM), a Credit Union-owned mortgage lender. Through our partnership, we can offer our members a variety of home loan options to fit their unique financial needs and goals such as:

  • Conventional fixed and adjustable rate programs up to 30 years
  • Government loan programs like FHA, Rural Development and VA (Veterans)
  • Construction financing
  • Jumbo loans and more!

You will work with a licensed and knowledgeable Mortgage Consultant at all stages of the process to help you navigate the mortgage process. 

Ready to get started? Contact us today at (530) 222-6060 x516.

HOME INSURANCE

You know you need it. But do you know how to get a deal?

GET A QUOTEApply Now or speak with one of our loan officers at (800) 303-3838.

Helpful Info
Routing Number: 272485385
Lender NMLS ID: 433904

Call: 231-929-2000 or 800-765-0110
Text: 231-412-3399
Telephone Banking:  
800-445-5728

Federally insured by NCUA
We do business in accordance with the Fair Housing Law

Contact & LocationsPrivacy & Security

Have questions about your specific situation? Call us at (231) 929-2000 or complete the form below and a 4Front mortgage expert will reach out!

APPLY NOW

Home Loans

Ready to get started?

Mortgage CalculatorGet a Rate QuoteApply Now

Eden Kircus

Mortgage Loan Originator
NMLS ID: 1662018

Serving: Antrim, Kalkaska, Manistee, Wexford counties

Specializes in: Conventional, FHA, USDA and VA financing

Apply Now

Helpful Info
Routing Number: 272485385
Lender NMLS ID: 433904

Federally insured by NCUA
We do business in accordance with the Fair Housing Law

Call: 231-929-2000 or 800-765-0110
Text: 231-412-3399
Telephone Banking:  
800-445-5728

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