Buying a home is a major milestone, and choosing the right lender makes all the difference. PCMCU was named Green Bay’s Best Mortgage Lending Company in 2025 because we offer local expertise, great rates, and support every step of the way. Get pre-approved and start the process today.
PCMCU offers a unique program that requires only 10% down to avoid paying PMI on home loans for purchase. It is standard in the mortgage industry to pay for Private Mortgage Insurance (PMI) when you buy a home with less than 20% down. PMI is a premium paid to an insurance company that offers coverage to the lender in case of default and loss. This added cost increases a buyer’s loan amount and/or monthly payment, but not if you finance at PCMCU with 10% down.
Choose the loan that best meets your needs.
Offers consistent monthly payments with an interest rate that never changes. It’s a stable, predictable option perfect for long-term planning and budgeting.
Starts with a lower fixed rate, then adjusts with the market. It’s a smart option if you plan to move or refinance within a few years.
Purchase a piece of vacant land for your future home, cabin, investment, or recreational use.
Provides short-term financing to help you build your home from the ground up, covering costs like materials, labor, and permits.
Refinancing a first mortgage can be a great way to save, especially when loan rates start dropping. Take advantage of the lower payments for debt consolidation or home improvements.
PCMCU also has other options available 2nd mortgages, bridge loans, and owner-occupied 2-family properties. Contact a mortgage loan officer to learn more.
Senior Mortgage Loan Officer Team
With over 25+ years in mortgage lending, Ginger and Kelly are truly in tune with their member’s needs. Whether it’s a new home purchase, refinance, or our popular in-house mortgage loans that are serviced by PCMCU, Ginger and Kelly are experts in the field. They will go step by step with you during the process and help you select the best option for your needs. Ginger and Kelly frequently find themselves working with repeat members who refer their adult children, and they love seeing those children, who previously sat in their parent’s lap, now seated across from them in their own chair.
Senior Mortgage Loan Officer
With 15+ years of credit union background and over a decade of mortgage experience, Chelsea is focused on providing great service to meet credit union member needs. Chelsea is passionate about helping individuals and families achieve their homeownership goals. Whether you’re a first-time buyer, refinancing, or looking to use your home equity, Chelsea is here to provide personalized guidance and the right loan solution to fit your unique financial situation. Chelsea is committed to clear communication, fast response times, and a genuine commitment to your financial well-being.
Senior Loan Officer
Michelle has over 16 years of experience working in PCMCU’s mortgage lending department. Whether looking to refinance or use your home equity, Michelle is here to help.
Give our Mortgage Loan Team a call at (920) 593-2767. We’re here to help make your home dreams a reality.
PCMCU offers several options for mortgage loans.
If you want to buy a home and have a proven ability to make payments, PCM Credit Union and the Federal Home Loan Bank of Chicago can help.
Through the Downpayment Plus® Program*, up to $10,000 may be available to eligible homebuyers each year to use toward down payment and closing costs. Ask one of our loan officers today about the Downpayment Plus Program to see if you are eligible.
Homebuyers must meet income eligibility requirements and:
PCM Credit Union is committed to helping our neighbors. We can help lower your borrowing costs if you qualify for the Downpayment Plus Program.
Give our loan officers a call today at (920) 593-2767.
Federal Home Loan Bank of Chicago is a U.S. Government sponsored bank which provides services to financial institutions, including credit unions. As a partner of this unique entity, PCM Credit Union is able to share this program with you, the member-owners of PCMCU.
Funds for the program are limited and will be awarded on a first come-first serve basis until all funds have been used for the calendar year.
*Downpayment Plus is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago’s website at www.fhlbc.com for complete requirements. “Downpayment Plus” is a registered trademark of the Federal Home Loan Bank of Chicago.
After you complete a mortgage or home equity loan with any financial institution, it’s possible to get solicitations from other companies. If you would like to opt out of these solicitations, visit www.optoutprescreen.com and follow the directions to opt out for five years or permanently.