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. Helen, 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

Helen Trerice
Helen Trerice NMLS 594066
Phone: 989.891.1662
Fax: 989.895.3004
eMail: htrerice@ubccu.org

I have over 15 years in the mortgage area, and have served in many different positions in my career in banking and credit unions. Whether you are looking to purchase or refinance, I will guide you in the steps needed to make this process a simple one. We are honest and professional here at United Bay Community Credit Union and we have your best interest in mind. I look forward to working with you on your mortgage lending needs.

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