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orsa will never contact you for your online/mobile login information, request you move your money to another FI, or send you a secured link through email you are not expecting. If you suspect you are not conversing with an orsa team member you are urged to contact our Care Center with the name of the team member and you will be supported accordingly.

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A hub of stories, knowledge and resources that help shape financial futures and a better community.

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Mortgage options designed for you

Whether you're buying your first home, moving up, or refinancing, orsa credit union offers flexible mortgage solutions tailored to your goals. We’re here to guide you through every step of the journey—from pre-approval to closing—with expert advice and great rates.

With options including 0% down payment and our h-Ope!™ mortgage, we're committed to making homeownership possible.

Savings For You

Current promotions

Shopping for a house? We just so happen to be running some promotions to help get you into the home of your dreams!

Community Heroes receive a $500 credit towards closing costs! Our Community Heroes credit is our way of saying “thank you” to those that dedicate their lives to improving the well-being of our communities. If you’re a "community hero" that's thinking about buying a new home, we're here to help. This credit is available for:

  • Educators
  • First Responders
  • Military
  • Medical
  • Government

  • Discover an appropriate price range and anticipated out-of-pocket costs.
  • Shop with confidence and submit a stronger offer.
  • Pre-approvals are valid for 90 days and are required by most realtors before showing homes. Contact a Mortgage Specialist today!

We’re making it easier for potential homebuyers to hit the market! Instead of the traditional 20% down, you can have the need for private mortgage insurance and escrows waived at just 15% on loan amounts $300,000 or less.

Some restrictions apply, including the financing of investment properties. Please contact a Mortgage Specialist for more details.

Apply online for a mortgage

Start Your Journey

Take the first step toward homeownership with orsa's easy online mortgage application. Whether you're buying your first home, moving up, or refinancing, our secure and streamlined application process makes it simple to get started. Plus, our mortgage team is always available to answer questions and guide you through the process.

Apply online

Ready to take the next step? Apply for your mortgage online quickly and securely in minutes.

Contact a loan officer

Our experts are here to help you explore options and answer your questions.

Call us

Prefer to talk it through? Give us a call and speak directly with a mortgage professional.

Email us

Email our team for answers, quotes, or to schedule a consultation.

Mortgage Resources

Helpful links

Explore tools and resources to guide your mortgage journey. From first-time buyer programs to personalized financial counseling, we’re here to support every step of your path to homeownership.

Mortgage Team

Meet our experienced mortgage specialists.

Financial Wellness

Free personalized financial counseling to help you plan for your Impossible Dreams. In-person and online.

First-time Homebuyer

Learn about grants, pre-approvals, and starter programs.

Affordable Housing

h-Ope!™ by orsa credit union logomark

h-Ope!™ will guide you home

Owning a first home is a dream that most Michiganders share – but high prices, high rates, and an unforgiving economy can make it seem impossible. Fortunately, orsa is all about bringing your Impossible Dreams to life! So rather than worry, have h-Ope!™

Specialty Mortgage Programs

Specialty programs

Explore unique financing options tailored to meet a variety of homebuying needs. From zero down payment programs and bridge loans to vacant land financing, these specialty mortgage solutions are designed to help you move forward—no matter where you are in your journey.

  • Submit an offer without a contingency to close on your existing home first.
  • Pairs well with a Bridge Loan to use the equity in your existing home as a down payment.
  • Must have good credit and a minimum of 20% equity in the existing home.
  • Available on the financing of primary residences only.

Mortgage Products

More Mortgage Offerings

Looking for more ways to make the most of your home’s value? Explore additional mortgage solutions including refinancing, home equity loans, and HELOCs—each designed to help you save, borrow smarter, or invest in what matters most.

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Refinance Your Mortgage

Lower your rate, adjust your term, or tap into home equity with a refinance from orsa.

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Home Equity

Access the value in your home for renovations, education, or major expenses.

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HELOC

Flexible home equity line of credit with great rates and interest-only payment options.

Mortgage Tools

Tools & checklists

Home Buying Budget

Use this printable worksheet to estimate your home price range, monthly payments, and upfront costs. A helpful guide for planning confidently.

Homebuyer’s Checklist

Stay organized through every step—from pre-approval to closing day—with this easy-to-follow checklist.

Credit Score

Understand how your credit score impacts your mortgage options and learn tips to improve it before you apply.

Loan Closing

Make sure you're prepared for the final step of the mortgage process with this list of required documents and final steps.

Expert Michigan Mortgage Specialists

Meet the orsa Mortgage Team

Frequently Asked Questions

Mortgage FAQ 

Have questions about the mortgage process? We’ve got answers. From pre-approval to closing, explore common questions to help you feel confident every step of the way.

Pre-qualification gives you a general idea of how much you may be able to borrow, while pre-approval is a more formal process that involves verifying your credit, income, and assets—making your offer stronger to sellers.

orsa credit union offers options starting as low as 0% down for qualified borrowers. Many programs are available with just 3–5% down. Our Mortgage Specialists can help find the right fit for you.

We offer a range of options including conventional loans, fixed and adjustable rates, 0% down programs, rural development loans, bridge loans, and land financing.

orsa mortgages

Apply today

Take the first step toward homeownership with our easy online mortgage application. Plus, our mortgage team is always available to answer questions and guide you through the process.

Current Mortgage Holders

Need help with an existing mortgage?

If you need to chat about your current orsa mortgage, our mortgage servicing team is here for you!

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News

Additional $220k secured for affordable housing in Michigan

In 2024, we committed $60,000 to purchase over 20 acres of land destined for affordable housing in northeastern Michigan. Thanks to their relentless pursuit of doing the right thing, it was only the beginning…

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News

Expanding and Preserving Homeownership in Otsego-Antrim Habitat for Humanity

Home repair is a critical part of ensuring safe and stable housing for individuals and their families. The Relentless Care Foundation is honored to support Otsego-Antrim Habitat for Humanity with a $10,000 grant to further their critical home repair program.

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News

Expanding Access to Affordable Housing in Michigan

We partnered with Samaritas to expand access to affordable housing across Michigan.

What We Do

Making Impossible Dreams come true on the daily.

Wherever you are on your financial journey, you Belong here.

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Banking

Take back control of your cash with innovative, flexible solutions built for the real world.

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Borrowing

From home and auto loans to so much more, whether it’s a bright spot or a dark moment, we’ve got you.

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Growing

Ready to create the future you want for your kids, your retirement, or your financial goals? Let's do it!

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Business

Local, personal, and supportive business solutions designed to supercharge your Michigan business.