Lower your mortgage rate by 2%and save $62,215!* Take advantage of histroically low rates when you build, buy or refiance.

home loans

Make your dreams of owning a home a reality with affordable mortgage loan rates and flexible terms to match your lifestyle.

guaranteed low mortgage rates 

We will match your rate or give you $300 off closing costs.*

closings in 30 days or less 

Enjoy the convenience of closings in 30 days or less on new purchase transactions or receive $200 off closing costs.*

earn a $50 gift card upon closing 

Contact our Trusted Mortgage Lenders for an appointment at (269) 660-1310 or apply now by clicking below.

  • Construction, refinance and new purchase Home Loans available
  • Closings in 30 days or less*
  • Fixed-Rate Home Loans, Construction Loans and Jumbo Mortgages
  • Vacant Land Loans**
  • Financed and serviced at BlueOx
  • Fast, local lending decisions
  • Trusted Mortgage Advisors that treat you like a neighbor
  • Customized Home Loans to fit your budget
  • Quick, seamless and tailored to your needs
  • Local, hometown, superior service
  • Fixed-rate purchase and refinance options
  • Free, quick and easy pre-approvals
  • Low closing costs
  • Competitive rates and flexible terms
  • Make payments online or in-branch

Frequently Asked Question

TruStage® home insurance discount

Paying too much for Home insurance? As a BlueOx Credit Union member, you could save hundreds of dollars through the TruStage® Home Insurance Program. And you can easily switch carriers—without losing any money. Click the button below to learn more.

Learn More


646287 BlueOx Credit Union Corporate NMLS Number
986058 Drew Boucher
652822 Tracy Card
2018213 D'Kota Hagan
938891 Robert Hawkins
1075788 Jenna Kiomento
2008976 Judy Mawi
1780930 Alex McNall
1221078 Amberle Nash
2063189 Darrin Nutt
754649 Laura Patton
216757 Danny Phillips
2257339 Quinn Phillips
686626 Kari Thurman
909032 Jessica Webb

Purchase  Refinance

Today's Rates  Apply Online

Mortgage Calculator

The BlueOx Credit Union Home Mortgage Disclosure Act (HMDA) disclosure statement may be obtained on the Consumer Financial Protection Bureau website.

*Our Low-Rate Guarantee: BlueOx Credit Union Credit Union will match legitimate competitor offers up to .25% APR below current posted rates or credit the borrower $300 off closing costs. Proof of current rate is required. Must open a BlueOx Credit Union Checking Account. Subject to credit approval. Other rates and terms available. Offer not valid on loans currently financed with BlueOx Credit Union. Our low-rate guarantee and 30-day closing offers cannot be combined with any other offers. Closings in 30 days or less valid on purchase transactions only. Rate Savings Example: $62,215 savings is based on the example of an outstanding balance of $150,000 on a 30 year mortgage, from a rate of 5.00% APR down to 3.00% APR. APR=Annual Percentage Rate. Rates subject to change without notice.

**BlueOx offers Vacant Land Loans only when purchasing in conjunction with a Construction Loan.

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