Mortgages

Welcome Home.

Turning the Dream of Ownership into Reality.

At Sunrise Family Credit Union, we value our members and their dreams of homeownership. We know that purchasing a home is likely the largest single investment you'll make in your lifetime. We understand how important that dream is to you, and our loan specialists are here to guide you every step of the way along your journey!

Whether you are looking to purchase your first home, refinance an existing mortgage, or tackle major home improvements, we have the right solutions to fit your life.

Mortgage Solutions for Every Stage

We offer a variety of mortgage types to ensure you get the best fit for your financial situation:

Home Ready: Featuring a $2,500 LLPA credit on loans for very low-income purchase borrowers.
Rural Development (USDA): A program designed to help members buy homes in rural or suburban areas with specialized terms.
Conventional Fixed-Rate Loans: The gold standard for stability, with predictable payments over the life of your loan.

FHA Loans: Federal Housing Administration loans that offer flexible credit requirements and lower down payments.
Veterans Affairs (VA): Specialized programs to help veterans, service members, and their families buy, build, repair, or refinance a home.

Fixed Home Equity Loans: Single purpose loan using equity in your home to fund your next project.
Home Equity Loans (HELOCs): Leverage the value of your current home to fund your next big project.

Mortgage lender in office setting

Connect with Our Loan Team

Ready to talk numbers? Reach out to our resident expert to get started.

NMLS ID: 469609
Direct: (989) 684-1730
Fax: (989) 686-2552
Email: mortgages@sunrisefamilcu.org

Apply Now

Current Rates

Mortgage & Home Equity Rates

Effective Date: Friday, March 20, 2026

Loan Type	Details	APR (Annual Percentage Rate) based on as low as
Home Equity Line of Credit	Variable Rate (6.00% Floor)	6.00%
Conventional Fixed	15-Year Term	Call for Rates
Conventional Fixed	30-Year Term	Call for Rates
VA / FHA / USDA	Specialized Terms	Call for Rates
*All rates are "as low as" and based on creditworthiness and loan-to-value ratio. Rates and offers are subject to change. NMLS 469609.

Contact Us

Have a quick question? We’re just a call or a visit away.

Main Phone: (989) 684-1730

Toll-Free: (800) 589-1079

Email: info@sunrisefamilycu.org

Visit a Branch:

Bay City: 404 S. Euclid Ave., Bay City, MI 48706
Essexville: 190 N. Powell Rd., Essexville, MI 48732
Standish: 3887 S. Huron Rd., Standish, MI 48658

Resources & Support Links

Built by members, powered by community.

Enjoy personalized service, competitive rates, and fewer fees—because profits are reinvested back into our members, not shareholders. With a focus on financial well-being, local impact, and trusted guidance, Sunrise Family will help you build a stronger financial future with confidence.

Join Sunrise Family

WHY PEOPLE LOVE BANKING WITH US

"I have been a SFCU member since the early eighties. The staff is very friendly and has provided me with sound financial advice. I believe in Credit Unions over banks. I look forward to working with SFCU on future endeavors."

—Melvin Mathews