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, one of our trusted Mortgage Officers, is 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

Bridget Waters
Bridget Waters NMLS 1799486
Phone: 269.668.6336 ext. 6304
Fax: 989.895.3093
eMail: bwaters@ubccu.org

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.


Home Insurance Savings you've been looking for. Get a quote.

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.



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