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.
EXAMPLES OF OTHER PARTNERS USING THIS TEMPLATE
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“
FULL NAME
Job Title at The Company
The Pricing Plan
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PROFESSIONAL
8
$
/month
Billed Annually
5 active project
10GB space
∞ collaborators
No Credit Card Required
TEAM
22
$
/month
Billed Annually
25 active project
25GB space
∞ collaborators
No Credit Card Required
PLUS
89
$
/month
Billed Annually
25 active project
25GB space
∞ collaborators
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!
Ready to Get Started?
YOUR CREDIT UNION: NMLS ID# XXXXXX
MEMBER FIRST MORTGAGE, LLC: NMLS ID# 149532
Ready to
get started?
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
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?
Helpful Info
Routing Number: 283078888
Lender NMLS ID: 403005
Call: (502) 964-7575
Toll Free: (502) 964-7575
Fax: (502) 966-3176
Email: members@classact.org
Federally insured by NCUA
We do business in accordance with the Fair Housing Law
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 feel free to call us at (231) 412-3399!
Home Loans
Ready to get started?
David Haven
Mortgage Loan Originator
NMLS ID: 439356
Phone: (502) 415-7786
Email: dhaven@classact.org
Helpful Info
Routing Number: 272485385
Lender NMLS ID: 433904
Federally insured by NCUA
We do business in accordance with the Fair Housing Law
Have questions about your specific situation? Call us at (502) 964-7575 or complete the form below and a Class Act mortgage expert will reach out!
Home Loans
Ready to get started?
Looking to Purchase?
HOME LOANS
MAIN BRANCH INFORMATION
3620 Fern Valley Road
Louisville, KY 40219
*All lending products are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may apply and may vary based on borrower qualification and collateral conditions. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. This is not a commitment to lend. Additional restrictions may apply. Member First Mortgage, LLC is an affiliate of Class Act Federal Credit Union. Class Act Federal Credit Union: 3620 Fern Valley Road, Louisville, KY 40219 | (502) 964-7575 | NMLS ID: 403005. Member First Mortgage, LLC Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532 | Equal Housing Opportunity.
Get your mortgage right here at
OMNI Community
Credit Union
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ABOUT US
IN THE COMMUNITY
CONNECT
OMNI Community Credit Union
P.O. Box 1537
Battle Creek, MI 49016
Routing#: 2724-7665-3
NMLS#: 406077
Member First Mortgage
NMLS#: 149532
If you are having difficulty with our website, including accessing information, performing tasks or using a screen reader, please call 866-666-4969 and one of our team members would be happy to reasonably accommodate you.
*Cashback Rebate example assumes a .25% Cashback Rebate. Rebates range from .15% to .25%, depending on the amount of your average yearly mortgage balance. Please visit www.omnicommunitycu.org for complete information regarding applicable percentage tiers. While it is the intent of the OMNI Community Credit Union Board of Directors to pay the Mortgage Cashback Rebate each year for five years, the payment and/or the amount of the Cashback Rebate is not guaranteed and may vary. OMNI Community Credit Union reserves the right to modify eligibility criteria, and may suspend, cancel or terminate the Mortgage Cashback Rebate Program at any time. To qualify for the Program, you must be a member of OMNI Community Credit Union, on record, as of November 21, 2022, and keep your membership account active through January 20, 2023. OMNI (NMLS# 406077) or MFM (NMLS# 149532).
All lending products are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may apply and may vary based on borrower qualification and collateral conditions. This is not a commitment to lend. Additional restrictions may apply. OMNI Community Credit Union, federally insured by the National Credit Union Administration, a U.S. Government Agency. 3141 Capital Ave SW, Battle Creek, MI 49015 | Ph: 269-441-1400 | NMLS ID# 406077. Member First Mortgage, LLC is an affiliate of OMNI Community Credit Union | Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | Ph: (866) 898-1818 | NMLS ID# 149532 | www.memberfirstmortgage.com | Equal Housing Opportunity.
©OMNI Community Credit Union 2020. All rights reserved.
Routing#:
2724-7665-3
NMLS#: 406077
Member First Mortgage
NMLS#: 149532
Get In Touch With OMNI
HOME LOANS
Looking to Purchase?
Have questions about your specific situation? Call us at (866) 666-4969
or complete the form and an OMNI mortgage expert will reach out!
Have questions about your specific situation? Call us at (866) 666-4969
or complete the form and an OMNI mortgage expert will reach out!