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  Mortgage Loan Rates
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Loan to
Construction1st12 MonthsCall for rates80%
Five-Year Adjustable Rate Mortgage1st15-30yrCall for rates80%
(5 Yr ARM also available for First Time Home Buyer)1st15-30yrCall for rates90%
 1st15-30yrCall for rates95%
Fixed 15yr Balloon Amortized over 30yrs1st15-30yrCall for rates95%
Fixed Five Year1st5yrCall for rates80%
 1st5yrCall for rates90%
 1st5yrCall for rates95%
 2nd5yrCall for rates80%
 2nd5yrCall for rates90%
Fixed Ten Year1st10yrCall for rates80%
 1st10yrCall for rates90%
 1st10yrCall for rates95%
 2nd10yrCall for rates80%
 2nd10yrCall for rates90%
One-Year Adjustable Rate Mortgage1st15-30 yrCall for rates80%
 1st15-30 yrCall for rates90%
 1st15-30 yrCall for rates95%

** All rates and terms are subject to change.

First Time Home Buyers

Y-12 Federal Credit Union schedules three to four mortgage seminars throughout the year. They are beneficial to first time home buyers as well as those interested in buying land or doing cash-out refinances. This seminar is also helpful for previous home buyers looking to purchase a new home.

More Information

For more information on how this product works and its benefits, please call our Mortgage Department at (865) 481-4974. A loan officer will gladly help you determine if this product is right for you.

Land Loans

We will finance up to 80% of purchase price or appraised value (whichever is less) up to 15 years.

Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency
Member Cellular Discounts with Sprint

NMLS #441816
Equal Housing Lender
© 2015Y-12 Federal Credit Union, serving Oak Ridge, Knoxville, and surrounding East TN Counties.
All Rights Reserved.