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There's no place like home.

(But only if it's your home.)

We want you to make yourself at home. Better yet, we want you to feel comfortable making a house a home. Whether you’re in the market for your first place, a bigger place to raise your growing family, or a peaceful place to enjoy retirement, we’ll be with you every step of the way. You can count on us for a full range of mortgage options, local-market knowledge, terrific rates, fast decisions, and friendly, professional guidance. We’ll even help you build the architectural marvel you dreamed about as a kid. You know, the one with the game room and the pool the size of a football field. Whatever your plans may be, our home loan team is ready to walk you through every step of purchasing, refinancing or paying for construction.

100% Financing

Think of 100% financing as our way of showing you a short cut home. Designed for those who are ready for home ownership, but don’t have enough savings for a hefty down payment, this program can get you into a home sooner than you thought possible.

Jumbo Loans

Ready to move up – and by up, we mean up to that 5-bedroom, 5-bath stunner in the great neighborhood or the mountain retreat with the killer views and absolutely no neighbors? If so, one of our Jumbo Home Loans can make your dream home, your next home.

Construction Loans

When you’re ready to build exactly the home you want, you need exactly the right lender. Lucky for you, that’s us. We can help you pay for the lot, finance construction, and once your new home is completed, convert your loan to 15 or 30 year mortgage.

Rapid Refi

Fast. Quick. Swift. All of these are synonyms for the word “rapid.” Why is that important for you to know? Because with our Rapid Refi, you can save some serious cash and quickly, when you refinance your primary or secondary home. Let us help you become mortgage-free faster!

USDA Loans

Y-12 Federal Credit Union partners with the US Department of Agriculture to help make your new rural home a reality. Stay where you're comfortable — and stay away from the hustle and bustle — but where it also suits your convenience.

Home Lending Advisors

Ready to get moving? If so, we’re ready to help. One of our friendly advisors would love to guide you through the process. From free pre-approval – so you can shop with confidence – to closing on your new home, and beyond, we’re here for you every step of the way.

Manage Your Home Loan

Electrical repairs? Too hard. Plumbing problems? Don’t even ask. Managing your home loan? That’s easy! We’ve got the right technology and the right people to help when you need us. Our online portal is super easy to use, and when you need to speak to someone, we’re just a phone call away.

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