ProFinance Federal Credit Union and Member First Mortgage, LLC (MFM) have teamed up to provide affordable mortgage solutions and excellent service to our members.
We offer a wide range of mortgage programs, including:
About our Mortgage Partnership
What to Expect
Complete a preapproval application and gather your pay stubs, bank statements, and 2 years of tax returns.
Mortgage Resources
Apply Online or By Phone
Apply today to make your dream home a reality!
Contact a Real Estate Agent and provide them with your pre-approval letter along with a list of your wants/needs in a new home.
We will send you the loan estimate and early disclosures. Then we can move forward with underwriting the loan and ordering the appraisal.
Once you've found the perfect home and your offer has been accepted, you'll need to sign a Purchase Agreement so we can begin the financing process.
After the appraisal comes back and all conditions are met for underwriting, your loan will be clear to close.
All documents will then be finalized and your closing date will be scheduled!
On closing day, all final documents will be signed. Congratulations, you're a homeowner!
*Every mortgage is unique. This step-by-step process is simply to serve as a general outline of what you can expect during the mortgage process. We make no guarantees in regards to timelines, required documentation, approval, etc.
If you have questions and want to talk about your specific situation, call our trusted Mortgage Consultant from Member First Mortgage today:
Mortgage Consultant
*Nathan Curtis, NMLS ID #1746263 is authorized to act as an agent of ProFinance Federal Credit Union and is authorized to represent Member First Mortgage, LLC (MFM). For MLO Licensing information, please visit NMLS Consumer Access.
*This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Nathan Curtis, NMLS ID #1746263, is authorized to act as an agent of ProFinance Federal Credit Union and is authorized to represent Member First Mortgage, LLC (‘MFM’). MFM (616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532) is a Licensed Mortgage Lender/Servicer and a partner of ProFinance Federal Credit Union (334 W. 84th Dr., IN 46410 | 219-736-5767 | NMLS ID: 877246). For MFM’s state disclosure information, please visit MFM’s website. For NMLS licensing information, please visit www.nmlsconsumeraccess.org | Equal Housing Opportunity.
I want first-time homebuyer perks
Special features and benefits exclusively for first-time buyers.
I want a payment that doesn’t change
Fixed-rate loans lock in your rate and term for the life of the loan.
I want an affordable down payment
Multiple loan options that help with restricted incomes or lower credit scores.
I want military or veteran perks
Loans with fewer credit requirements and low to no down-payment options.
I want a home in a rural area
USDA/RD loans can help make eligible locations more affordable.
Tell Us About Yourself
Mortgage Calculators
Homebuying Guide
Be informed! Review best practices for finding, buying, and financing your new home – with a payment you can afford.
Adjustable-rate mortgages can deliver lower initial monthly payments.
I want a lower payment
I want first-time homebuyer perks
Special features and benefits exclusively for first-time buyers.
WELCOME
Home
Fixed Rate Mortgages!
Take advantage of a lower
initial interest rate with our
Adjustable-Rate Mortgages
Take advantage of our competitive ARM rates and up-front savings
No prepayment penalty
Lock in a lower initial rate on a 5/6 or 10/6 ARM1
5/6 ARM's at 0.00% / 0.000% APR
10/6 ARM's at 0.0% / 0.00% APR
1
1
1Available to all borrowers on a first lien purchase or refinance of a primary or secondary residence using a conventional 5/1 or 7/1 ARM portfolio loan product with Alliance Catholic Credit Union. Not eligible on manufactured homes. Example scenarios, calculated 4/30/2026, assume excellent borrower credit history and are based on a $378,000 loan amount with a 10% cash down payment from the borrower and 80% conventional financing on a 30-year term with an adjustable-rate mortgage (ARM). The 5/1 ARM example scenario assumes an initial interest rate of 5.25% with an annual percentage rate (APR) of 5.996% for years 1-5 (60 monthly principal and interest payments of $2,087.33); the first adjusted interest rate can increase or decrease by 2% for 1 years (12 monthly principal and interest payments of $1,697 - $2,518); the second adjusted interest rate can increase by 2% or decrease as low as the rate minimum for 1 years (12 monthly principal and interest payments of $1,610 - $2,971); all subsequent adjustments can increase to the rate maximum or decrease to the rate minimum every five years for years 8-30 (monthly principal and interest payments of $1,610 - $3,203). The 7/1 ARM example scenario assumes an initial interest rate of 5.5% with an APR of 5.989% for years 1-7 (84 monthly principal and interest payments of $2,146.24); the first adjusted interest rate can increase or decrease by 5% for 1 year (12 monthly principal and interest payments of $1,643- $3,229); the second adjusted interest rate can increase by 2% or decrease as low as the rate minimum for 1 year (12 monthly principal and interest payments of $1,643 - $3,229); subsequent adjustments can increase to the rate maximum or decrease to the rate minimum each year for years 10-30 (annually adjusted monthly principal and interest payments of $1,643 - $3,229). Payment examples do not include taxes or insurance; the actual payment obligation will be higher.
WELCOME
Home
WELCOME
Home
WELCOME
Home
Fixed Rate Mortgages!
30-year (5.5% / 5.607%)*