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Home Loans

Today is 06-09-2025

Cal disclosure is Use of online calculators does not guarantee credit or accuracy applicable to your specific circumstances.
All examples are hypothetical and for illustrative purposes and not intended to provide investment or financial advice.

Home Loans

From first home to forever home, we're
here to help!

Apply Now

Real Estate Loan Officers
Real Estate Loan Officers
Real Estate Loan Officers
Real Estate Loan Officers
Real Estate Loan Officers
Real Estate Loan Officers

Meet Your Loan Officer!

Whether you want to purchase a new home, refinance, or use your home's equity, we provide one-on-one support to help you make the best decision for YOU. We're here every step of the way, so you don't have to plan alone. We're more than just experts – we're your neighbors who care! We take the time to understand your unique goals and answer all your home loan questions.

Ready to get started? Connect with a friendly Real Estate Officer today!

For a personalized rate and payment quote, please give us a call at (865)544-5409 or email homeloans@tvacreditunion.com.

MEET OUR TEAM

30-Year Fixed-Rate Mortgage

Effective 06-09-2025
Interest rates as low as...
6.500% 1
APR as low as 6.730%

A fixed-rate mortgage loan of $200,000.00 for 30 years at 6.500% interest and 6.730% APR will have a monthly payment of $1,264.14. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

Lock In Rate

20-Year Fixed-Rate Mortgage

Effective 06-09-2025
Interest rates as low as...
6.000% 2
APR as low as 6.296%

A fixed-rate mortgage loan of $200,000.00 for 20 years at 6.000% interest and 6.296% APR will have a monthly payment of $1,432.86. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

Lock In Rate

15-Year Fixed-Rate Mortgage

Effective 06-09-2025
Interest rates as low as...
5.500% 3
APR as low as 5.867%

A fixed-rate mortgage loan of $200,000.00 for 15 years at 5.500% interest and 5.867% APR will have a monthly payment of $1,634.17. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

Lock In Rate

10-Year Fixed-Rate Mortgage

Effective 06-09-2025
Interest rates as low as...
5.375% 4
APR as low as 5.896%

A fixed-rate mortgage loan of $200,000.00 for 10 years at 5.375% interest and 5.896% APR will have a monthly payment of $2,158.16. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

Lock In Rate

How to Get Started

Our Loan Officers provide YOU the best service possible so you can worry less. We know part of a great homebuying experience is to have a strong financial partner to help you navigate the details of the home loan process. We are committed to answering your questions and helping you understand all your financing options.

GET STARTED   Calculate Your Payment  

Home Loans 5  Serviced In-House.

Home loans that start with us stay with us. We service your loan here at the Credit Union rather than selling it to anyone else. Our knowledgeable Home Loan Officers are locals – you'll be financing your home with a loan from your neighbors!

  • We'll be with you from origination to your final payment.
  • Always know where your loan is and to whom your payment goes.
  • In addition to our friendly Member service, we offer competitive rates for 10-year, 15-year, and 30-year mortgages and home equity line-of-credit (HELOC) 6 .
  • While PMI enables home loans with a lower down payment, you may not need it. Talk to one of our loan officers to determine if a no PMI loan option is right for you.

Not Ready to Buy Yet?

Whether you want to buy today or in a year, we have your back. If you're 6-12 months away from a purchase, there are steps to take now for a smoother process when the big day comes!

TALK TO A LOAN OFFICER

It's never too early to start planning! Our Real Estate Loan Professionals are always happy to talk to you about your future home. They'll be there for you all the way to help you understand what to expect, how to prepare, and apply for your loan!

Meet Our Team

PICTURE YOUR DREAM

If you know what you want in a future home, it will be easier to make plans! Consider the area you want to live in, the size of your dream home, and any important features or amenities. Just remember to stay flexible! The housing market changes all the time, and you never know what might be available when you're ready to buy.

DETERMINE YOUR BUDGET

Know what you can afford and what you'll need to borrow. No matter when you aim to make a purchase, the sooner you plan your finances, the smoother the process will be! Use our mortgage calculator to determine what your mortgage will look like over the life of your loan.


Frequently Asked Questions:

  • HOW MUCH DOWN PAYMENT DO I NEED?

    That depends on which home loan you get! Some loan types, such as a VA or USDA, can have $0.00 down payment options. But for most home loans, you’ll want at least 3.00 - 5.00% of the purchase price saved for your down payment.

  • HOW DO I KNOW WHICH HOME LOAN IS RIGHT FOR ME?

    Don't fret; this is where we can help! Your home loan officer will evaluate your situation and help you find the best home loan solution to fits your needs.

  • WHAT IS A CREDIT SCORE?

    Think of your credit score as your report card on how well you pay on time. It allows others to know if you can pay bills on time and repay debts or loans consistently. It tells a lender you can handle your finances responsibly. It’s typically a three-digit number ranging between 300-850.

  • HOW DOES CREDIT IMPACT MY HOME LOAN OPTIONS?

    Your credit score impacts what loan options are available to you as well as the rate you receive. Curious what your score is? Check your credit score for FREE! To access this Member perk, just log in to online or mobile banking!

  • WHAT IS PMI, AND DO I REALLY HAVE TO PAY FOR IT?

    PMI stands for Private Mortgage Insurance. Anytime you purchase a house with less than a 20.00% down payment, PMI is added as extra protection to the lender. However, our in-house loans offer no PMI options (a special Member Perk just for you)! 

Disclosures

1 A fixed-rate mortgage loan of $200,000.00 for 30 years at 7.250% interest and 7.490% APR will have a monthly payment of $1,364.35. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

2 A fixed-rate mortgage loan of $200,000.00 for 20 years at 7.000% interest and 7.308% APR will have a monthly payment of $1,550.60. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

3 A fixed-rate mortgage loan of $200,000.00 for 15 years at 6.625% interest and 7.004% APR will have a monthly payment of $1,755.99. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

4 A fixed-rate mortgage loan of $200,000.00 for 10 years at 6.375% interest and 6.906% APR will have a monthly payment of $2,258.26. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

5 APR = Annual Percentage Rate. Restrictions apply. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details. Please note the interest rate and fees shown are available to borrowers with excellent credit history with loan-to-values up to 80% of the appraised value or sales price of the property, whichever is the least amount. If the loan-to-value is higher than 80%, please contact us for a rate quote. The actual interest rate and fees available to you may be different than the rates displayed. All interest rates and APRs shown are subject to change without notice.

6 APR = Annual Percentage Rate. Restrictions may apply. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details.

 
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