House and Home

 

• Apply for a Home or Refinance Loan
• Apply for a Home Equity Loan

Click on the links below for information on the following:

Buying a Home

Deciding where to place your home mortgage is one of the most important decisions in your lifetime. TFCU wants to help you make this important move. The following material will help guide you through the home buying-process:

Plus, you can take advantage of our real estate connections! Our partnership with CU Realty allows you to research the neighborhoods and properties that interest you. You can even get up to 1% of the purchase price of your new home returned to you at closing when you use a CU Realty Approved Agent. This program is free and can be used at your convenience, whether you choose to search for homes online or work with your Approved Agent in person.

Online Mortgage Application

Apply for a mortgage online at Credit Union Mortgage Association, a Credit Union-sponsored Web Site.

Learn About Purchasing and Refinancing a Home

Browse the Credit Union Mortgage Association's information section for even more information on purchasing and refinancing a home.


Home Equity

TFCU offers you a lasting value when you apply for any of our home equity loans. Choose a home equity line of credit or fixed rate second trust with rates and terms that best suit your needs. Use the funds for any personal purpose, from vehicles and home improvements to debt consolidation and vacations.

Our revolving line of credit comes with easy cash advances with a 15-year repayment term at a competitive variable rate, perfect for large recurring expenses, like taxes or college tuition. You also may select a fixed-rate second trust for large one-time expenses like a major home improvement or debt consolidation. We even have a high loan-to-value option that allows you to finance up to 100% of your home's tax assessed or appraised value.

No matter which avenue you choose, closing costs are low and approval and settlement are quick. Interest is generally tax deductible, lowering your overall cost. Please consult your personal tax advisor for guidance.

Use this quick formula below to determine your potential borrowing power. Complete home equity rates and terms are listed in Loan Rates. You may borrow up to $100,000 with all of our home equity loans.


Three Easy Steps to Calculate Your Home Equity Loan Potential