Make Your Dream Home a Reality

Mortgage Loans

with competitive fixed rates for mortgage purchases and refinances  in Northwest Ohio and Southeast Michigan.

The Glass City Mortgage Advantage
♦ Competitive rates
♦ Free pre-approvals
♦ Quick processing
♦ Easy online/mobile application
♦ Low down payment options
♦ Loans approved and serviced locally

Pre-Approval & Application Process

It’s easy to apply for a mortgage loan or a pre-approval letter with Glass City’s easy online/mobile application via your personal computer, tablet or mobile device! This user-friendly application portal will walk you through each step of the mortgage application process for a:

  • Mortgage Loan Pre-approval:  if you are trying to find out how much house you can afford before you start house shopping and if you do not have a specific address for a new home purchase. A pre-approval letter is required by your realtor to proceed with beginning the home purchase process.
  • Mortgage Home Purchase Loan: if you have a specific address upon signing a purchase agreement for a home
  • Mortgage Refinance: if you are interested in refinancing the existing mortgage loan on your current home

To apply for a pre-approval or mortgage loan, you will need:
• Paystubs (two most recent for all borrowers)
• W2 for all borrowers for the past two years
• Tax returns for the past two years (if you are self-employed)
• Deposit and investment statements for the past 60 days
• Click here for a complete application checklist.

For a refinance, in addition to the above, you will need:
• Home insurance policy
• Mortgage statement

Please note: The number of days from application to closing can vary up to 30 days or more, depending on a number of factors, including loan type, appraisals, and title clearance. Time delays can occur if outside sources or the borrowers do not provide documents and information to the credit union promptly.

Loans subject to membership eligibility, credit approval and application. Mortgage loan financing provided for properties in NW Ohio and SE Michigan. NMLS ID #445858

Equal Housing Lender Logo

Steps to Home Ownership

Buying a home is a big commitment that requires a lot of time and effort. That’s why it’s important to be informed and prepared for the home buying process.

Click here for the Steps to Home Ownership with Glass City FCU.

Loan Rates
Rate Sample APR* Monthly Payment
30 Year Fixed Conventional 6.500% 6.545% $1,042.91
20 Year Fixed Conventional 6.625% 6.684%
15 Year Fixed Conventional 5.875% 5.947% $1,381.25
10 Year Fixed Conventional 5.875% 5.977% $1,821.50
*APR = Annual Percentage Rate. The APR is based on a sample purchase loan transaction of a primary residence assuming a $165,000 loan, 75% loan to value, 740+ credit score, and $764.00 in prepaid finance charges. Actual APRs will vary. The estimated monthly payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. Rates are subject to change daily. Loans subject to membership eligibility, credit approval and application. NMLS ID #445858

Estimate Your Monthly Payments

The calculator is for demonstration purposes only and may not reflect actual numbers for your mortgage. Assumes constant interest rate throughout amortization period. Be sure to set the compounding period for your region for most accurate results. Contact Glass City Federal Credit Union for more information.

Got a question about Glass City’s mortgage lending services?
Our mortgage team is available to help you with anything that you would like to know about the mortgage process. Please fill out the form below and we will get back to you as soon as possible. Thank you!
DO NOT SEND ACCOUNT INFORMATION. If you need assistance with one of your accounts please contact us at one of our branches.


Start Packing for your new home!
Or refinance your existing mortgage loan today! Questions? Contact our Mortgage Department at or 419-887-1054.