Home Loan Programs

Home Loan 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 options to fit your needs and budget!  We’re local, and we know Tennessee. Connect with a mortgage loan officer 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 mortgage? Here are a couple reasons:
  • 100% financing options available for qualified buyers (up to $417k)
  • No private mortgage insurance (PMI) on several products
  • Terms up to 30 years
  • Fixed, adjustable, and balloon options
  • Local underwriting and processing
  • As always, no prepayment penalties

Connect with a Loan Officer

Our Mortgage Team has superior knowledge of the mortgage industry’s ins and outs. They understand that each member’s experience with Y-12 Federal Credit Union is unique and specific to their mortgage needs.