ELGA Credit Union is For Your Best Interest

Home & Equity Loans

Mortgage and Home Equity

We'll pave the way for your home loan!


Real Estate Loans

Before you buy or refinance, talk to us first.


You’ll be glad you did. When you’re shopping for a mortgage to finance a new home or to refinance your present home, your first concerns are going to be interest rates and points. But, keep in mind that home mortgages are, in many ways, like any other service. While cost is an important consideration, it shouldn’t be the only one. That’s why credit union home mortgages are not only competitive when it comes to interest rates and points, but also offer much more.


Our member friendly Home Loan Program offers:

  • Competitive interest rates and points

  • Easy loan payments through automatic transfer or XpressLink Internet Banking

  • No penalty for paying off your loan ahead of schedule

  • Simple, easy, member pre-qualification

  • Fixed & Adjustable Options

  • Low Application & Closing Fees

Click to start your loan


Have you already financed your loan somewhere other than ELGA? We make it easy for you to refinance your loan with us. It only makes sense to have all of your loans with the Credit Union you know and trust.


Please call (810) 715-3542 or click here to email us.

Home Equity Loans

  • Fixed rate, fixed terms home equity loans with up to a 15 year term.
  • Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) is a line of credit which uses your home as collateral.  You may draw on that line of credit as you need it.  Because it is your loan, you have the option to apply your HELOC to any project that you wish whether it be towards home improvement or towards college tuition for your children.


Contact an ELGA Home Loan Specialist for more information or to apply for one of our great home equity loans! Phone (810) 715-3542 or click here to email us

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