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HarborLight Credit Union welcomes you to the neighborhood. Let us help you find your dream home.

Our Sr. Loan Officer who handles all mortgages, JoAnn Pugh (NMLS# 168895), has office hours on Tuesdays and Wednesdays at our Cogswell Dr. location. If you would like to speak with her, give her a call at 231-894-5608 option 3 then 2, or send her an email.


Key Features

  • Conventional and Government Loans
  • Construction Loans
  • Purchase and Refinance
  • Zero or low down payment programs*
  • Competitive rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • Convenient terms customized to fit your budget
  • Several financing programs available:
    • Fixed rate mortgages
    • USDA Rural Housing Loans
    • FHA Loans
    • VA Loans
    • Construction Loans
  • Helpful loan advisors with working knowledge of the White Lake real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

Considering Home Ownership

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