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Home Lending Programs

Whether you are purchasing a new piece of land or a new home, building a brand new home, or looking to refinance your current home, we have several mortgage home loan options to fit your needs and budget!  We’re local, and we know Tennessee. Connect with a home lending advisor today by phone, email, or an in-branch visit. The sooner you do, the sooner we can help you get into your next home!

Why Y-12 FCU for your next home loan? Here are a couple reasons:
  • 100% financing options available for qualified buyers (up to $453,100)
  • No private mortgage insurance (PMI) on several products
  • Terms up to 30 years
  • Fixed, and adjustable
  • Local underwriting and processing
  • As always, no prepayment penalties