Local Expertise. Personalized Guidance. Built Around Your Homeownership Goals.
At Team One Credit Union, we believe financing your home should feel personal, transparent, and aligned with your financial goals. Our Mortgage Originators live and work in the communities they serve — providing local expertise, responsive communication, and lending solutions designed to help you move forward with confidence.
Browse by location below and select the Mortgage Originator you’d like to work with.
Bay City | Caro
Amy Retan
NMLS# 758508
Office: 989-286-8004
Cell: 989-326-5331
Locations:
1130 Cleaver Road
Caro, MI 48723
401 E. Midland Street
Bay City, MI 48706
Amy has assisted buyers in achieving homeownership for many years, specializing in Conventional, Rural Development, and Team One’s specialized mortgage programs. A lifelong Tuscola County resident, she is actively involved in the Caro Rotary Club and other community initiatives.
From first-time homebuyers to refinancing or second-home purchases, Amy is committed to delivering a smooth, informed, and efficient mortgage experience.
Connect with Amy
Bad Axe | Sandusky
Julie Watson
NMLS# 789425
Office: 810-648-7005
Cell: 989-412-3727
Location:
625 South Sandusky Road
Sandusky, MI 48471
With over 20 years of mortgage industry experience, Julie provides expertise in both conventional and government financing options. A lifelong Sanilac County resident, she is actively involved in Lexington Women’s Life Chapter 927 and remains deeply connected to her community.
Julie combines industry knowledge with a member-first approach to help ensure clarity, efficiency, and confidence throughout the lending process.
Connect with Julie
Flint | Owosso
Chaz Pray
NMLS# 707299
Mobile: 810-444-4799
Location:
606 Stevens St
Flint, MI 48502
Chaz brings more than 18 years of financial services experience, delivering knowledgeable and reliable mortgage solutions. His services include home purchases, refinances, vacant land loans, and home equity options.
He specializes in working with first-time homebuyers and self-employed borrowers, providing clear guidance and dependable communication. A lifelong Genesee County resident, Chaz is actively involved with ECAR, the Davison Chamber, Flint Chamber, and Grand Blanc Chamber of Commerce.
Connect with Chaz
Saginaw Area
Sonny Guerra
NMLS# 165709
Office: 989-577-0138
Location:
4075 McCarty Road
Saginaw, MI 48603
For more than 20 years, Sonny has served Michigan’s mortgage needs with a full portfolio of services, including home purchases, vacant land financing, refinances, and home equity loans.
Known for honest guidance and timely communication, Sonny prioritizes keeping both members and real estate partners informed throughout every step of the process. A lifelong Saginaw County resident, he is affiliated with the Saginaw Board of Realtors and the Saginaw Area Chamber of Commerce.
Connect with Sonny
Traverse City
Jeff Harrand
NMLS# 1042133
Office: 231-715-4954
Cell: 231-632-1083
Location:
1202 Veterans Dr.
Traverse City, MI 49684
With more than 30 years of banking experience, Jeff brings extensive knowledge in mortgage lending, consumer credit, and business underwriting. He works closely with buyers and homeowners throughout Northern Michigan to ensure a seamless purchase or refinance process.
A native of Traverse City, Jeff is an affiliate member of the Traverse Area Association of Realtors and the Women’s Council of Realtors Northern Michigan chapter. His commitment extends beyond lending — he actively supports the community he serves.
Connect with Jeff
What Types of Properties Can You Finance?
Team One Credit Union offers mortgage solutions designed to support a wide range of homeownership goals. Whether you're purchasing your first home, expanding your investment, or refinancing, our lending team provides options tailored to your needs.
Members can finance:
Primary Residences
Single-family homes, including new construction and existing properties.
Second Homes
Vacation or seasonal properties within Michigan.
Rural Development Properties
Eligible homes in designated rural areas, supporting affordable homeownership opportunities.
Vacant Land
Financing options available for land purchases, helping you prepare for future building plans.
Investment Properties
Select mortgage solutions designed for income-producing residential properties.
Refinances
Replace your current mortgage to potentially lower your rate, adjust your term, or access your home’s equity.
Home Equity Loans & Lines of Credit
Leverage the value you’ve built in your home to fund renovations, consolidate debt, or cover major expenses.
Our Mortgage Originators will guide you through eligibility, property requirements, and financing options to ensure you choose the solution that aligns with your long-term financial goals.
Have questions about your specific property type? Connect with a Mortgage Originator near you to explore your options.