Mortgage Loans

Mortgage Loans

When it's time to buy your first, second, or vacation home, Millstream Area Credit Union is here for you.

Our Mortgage Loan Originator, Ann Tong (NMLS ID 506936), is here to answer questions and will be right by your side through the entire process—helping to move the loan quickly yet clearly for you.

Are you a first time home buyer? We offer online classes, brochures, and additional tools to keep your loan on track. This allows us to contact you via email, phone, or whatever communication method works best for you. We make the process work into your already busy schedule.

Click here to view our First Time Home Buyer tips page.

With competitive interest rates and terms up to 30 years, we can offer a monthly payment that will meet your budget needs. Contact Ann Tong at 419-422-5626 ext 120 or [email protected] to begin your dream today!

First Time Home Buyer


  • 3% down payment
  • Entire down payment can be gifted by a relative
  • No PMI options available
  • Access to educational guidance tools and resources
  • First Time Home Buyer Specialist available to assist you
USDA/Rural Development


  • No down payment required
  • Closing costs can be included in loan
  • Non-traditional credit is accepted
  • Low interest rates


  • 3.5% down payment
  • Entire down payment can be gifted by a relative
  • Credit scores down to 600 (with 12 month rental history with canceled checks)
  • Allows for higher debt-to-income ratios


  • 3% down payment
  • 10, 15, 20 and 30 year terms available
  • Cash out refinance available


  • $0 money down
  • Great rates for current or retired veterans
Conventional-No Closing Cost


  • No out-of-pocket closing costs
  • 30 year fixed term
  • Can be used for the purchase of owner occupied home and investments
  • Perfect for members looking to pay less up front

Credit qualifications, terms, and conditions apply. Millstream Area Credit Union is registered with the Nationwide Mortgage Licensing System (NMLS ID is 393171).