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

Jill Patterson
Jill Patterson NMLS 337732
Phone: 989.891.1671
Fax: 989.895.3022
eMail: jpatterson@ubccu.org

I have been a friendly face at the credit union since 1978 and have spent the past 18 years specializing in Mortgage Loans. Whether you are looking to purchase or refinance, you can expect great service with an honest and professional approach. I believe communication and accessibility are the keys to providing exceptional service. You can count on my knowledge and experience to ensure a quick and stress free home buying experience. 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