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home ownership with family
Dreams of owning your own home can come true! Choosing Y-12 Federal Credit Union's 100% Financing Home Program means you don't have to worry about limitations of a down payment.

Features of our 100% Financing are:
  • No down payment required
  • No Private Mortgage Insurance (PMI)
  • Maximum Loan Amount $453,000
  • Maximum housing ration 43%
  • Seller contributions of up to 6% closing cost allowed
  • Primary residence - excludes mobile homes
  • Minimum Credit Score of 660