local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
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We Know Mortgage Lending

United Bay Community Credit Union offers an extensive menu of mortgage loan products and programs.
Bridget, Helen and Jill, our trusted Mortgage Officers, are ready to help you meet your needs.

  • Conventional Mortgages With As Little As 3% Down
  • No Down Payment USDA Mortgages
  • In-House Mortgage Options For Unique Scenarios
  • First Time Homebuyer Mortgages

  • Competitive Rates And Closing Costs
  • Friendly Personalized Service
  • Approval Done Locally
  • We Work With You Every Step Of The Process

Applying for a Mortgage

You can apply for a mortgage in two ways - online or in person. To help you prepare for your mortgage, please
review our Mortgage Application Checklist as well as our DO's and DON'Ts When Applying For A Mortgage.

Apply Online

Apply In Person

You can apply online anytime.

Applications can be made in person
during business hours.

In the Bay City area, call 989-892-4597
ext 5126 to schedule your appointment.

In the Kalamazoo area, call
269-668-6336 ext 6304 to schedule your appointment.

Meet Our Mortgage Loan Officers

Bridget W

Bridget Waters
NMLS 1799486

Phone: 269.668.6336 ext. 6304
Fax: 989.895.3093
eMail: bwaters@ubccu.org

Helen T

Helen Trerice
NMLS 594066

Phone: 989.891.1662
Fax: 989.895.3004
eMail: htrerice@ubccu.org

Jill P

Jill Patterson
NMLS 337732

Phone: 989.891.1671
Fax: 989.895.3022
eMail: jpatterson@ubccu.org



We finance many types of property. Your loan options are:

10 Year Fixed Rate
15 Year Fixed Rate
20 Year Fixed Rate
30 year Fixed Rate

7 Year Fixed Rate Balloon*
10 Year Fixed Rate Balloon*


*Balloon Mortgages - A balloon mortgage is a mortgage which does not fully amortize over the term of the note, thus leaving a balance due at maturity.
The final payment (balloon payment) will be the entire remaining balance of the loan.


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To connect with our members by inspiring trust and providing
the financial support they need to establish roots and thrive.

Providing our members the resources
to develop strong financial roots.

member NCUA       Equal Housing Opportunity