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Home Loans

Home Loans

From Your First Home 1 to Forever Home

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30-Year Fixed-Rate Mortgage

Effective
Interest rates as low as...
6.500% 2
APR as low as 6.730%

APR = Annual Percentage Rate. A fixed-rate mortgage loan of $200,000.00 for 30 years at 6.500% interest and 6.730% APR will have a monthly payment of $1,264.14. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

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20-Year Fixed-Rate Mortgage

Effective
Interest rates as low as...
6.000% 3
APR as low as 6.296%

APR = Annual Percentage Rate. A fixed-rate mortgage loan of $200,000.00 for 20 years at 6.000% interest and 6.296% APR will have a monthly payment of $1,432.86. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

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15-Year Fixed-Rate Mortgage

Effective
Interest rates as low as...
5.500% 4
APR as low as 5.867%

APR = Annual Percentage Rate. A fixed-rate mortgage loan of $200,000.00 for 15 years at 5.500% interest and 5.867% APR will have a monthly payment of $1,634.17. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

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10-Year Fixed-Rate Mortgage

Effective
Interest rates as low as...
5.375% 5
APR as low as 5.896%

APR = Annual Percentage Rate. A fixed-rate mortgage loan of $200,000.00 for 10 years at 5.375% interest and 5.896% APR will have a monthly payment of $2,158.16. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

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Real Estate Loan Officers
Real Estate Loan Officers
Real Estate Loan Officers
Real Estate Loan Officers
Real Estate Loan Officers
Real Estate Loan Officers

Meet Your Loan Officer

Whether you want to purchase a new home, refinance, or use your home's equity, we provide one-on-one support to help you make the best decision for YOU. We're here every step of the way, so you don't have to plan alone. We're more than just experts – we're your neighbors who care! We take the time to understand your unique goals and answer all your home loan questions.

Ready to get started? Connect with a friendly Real Estate Officer today!

For a personalized rate and payment quote, please give us a call at (865)544-5409 or email homeloans@tvacreditunion.com.

MEET OUR TEAM

How to Get Started

Our Loan Officers provide YOU the best service possible so you can worry less. We know part of a great homebuying experience is to have a strong financial partner to help you navigate the details of the home loan process. We'll walk you through your options and answer all your questions so you feel confident at every step.

GET STARTED   Calculate Your Payment  

Home Loans 1  Serviced In-House.

When you choose a home loan with us, your loan stays with us. We service your loan here at the Credit Union rather than selling it to anyone else. Our knowledgeable Home Loan Officers are locals – you'll be financing your home with a loan from your neighbors!

  • Local service from start to final payment
  • Always know where your loan is and to whom your payment goes
  • Competitive rates for 10-year, 15-year, 20-year, and 30-year mortgages and home equity line-of-credit (HELOC) 6
  • No PMI options available

Not Ready to Buy Yet?

Whether you want to buy today or in a year, we have your back. If you're 6-12 months away from a purchase, there are steps to take now for a smoother process when the big day comes!

TALK TO A LOAN OFFICER

It's never too early to start planning! Our Real Estate Loan Professionals are always happy to talk to you about your future home. They'll be there for you all the way to help you understand what to expect, how to prepare, and apply for your loan!

Meet Our Team

PICTURE YOUR DREAM

If you know what you want in a future home, it will be easier to make plans! Consider the area you want to live in, the size of your dream home, and any important features or amenities. Just remember to stay flexible! The housing market changes all the time, and you never know what might be available when you're ready to buy.

DETERMINE YOUR BUDGET

Know what you can afford and what you'll need to borrow. No matter when you aim to make a purchase, the sooner you plan your finances, the smoother the process will be! Use our mortgage calculator to determine what your mortgage will look like over the life of your loan.


Frequently Asked Questions:

  • How Much Do I Need for a Home Loan Down Payment?

    The amount needed for a down payment depends on the home loan type. Some loans, such as VA loans or USDA loans, offer $0.00 down payment options for qualified borrowers. Other common loan types typically require at least 3.00% to 5.00% of the home’s purchase price saved for the down payment.

    To find the right option for your budget, talk to a KTVAECU® Loan Officer about available programs and low or no down payment choices.

  • Which Home Loan Is Right for Me?

    Every buyer’s situation is unique. We will review your goals with you to recommend the best loan option to meet your needs.

  • What Is a Credit Score?

    A credit score is a three-digit number (typically 300–850) that shows how well you manage debt. It reflects your payment history, credit usage, and overall financial behavior.

    When applying for a home loan, your credit score helps determine your loan eligibility, interest rate, and which mortgage is right for you. A higher score often means better rates and more loan options, which saves you money over time.

  • How Does Credit Affect My Home Loan Options?

    Your credit score plays a major role in the home loans you qualify for and the interest rate you receive. Want to know your score? Log in to online or mobile banking to check it for FREE—just one of your many Member perks.

  • What Is PMI, and Will I Need to Pay for It?

    PMI (Private Mortgage Insurance) protects lenders when buyers put down less than 20.00%. We offers no PMI loan options with many in-house home loans.

Disclosures

1 APR = Annual Percentage Rate. Restrictions apply. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details. Please note the interest rate and fees shown are available to borrowers with excellent credit history with loan-to-values up to 80% of the appraised value or sales price of the property, whichever is the least amount. If the loan-to-value is higher than 80%, please contact us for a rate quote. The actual interest rate and fees available to you may be different than the rates displayed. All interest rates and APRs shown are subject to change without notice.

2 APR = Annual Percentage Rate. A fixed-rate mortgage loan of $200,000.00 for 30 years at 7.250% interest and 7.490% APR will have a monthly payment of $1,364.35. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

3 APR = Annual Percentage Rate. A fixed-rate mortgage loan of $200,000.00 for 20 years at 7.000% interest and 7.308% APR will have a monthly payment of $1,550.60. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

4 APR = Annual Percentage Rate. A fixed-rate mortgage loan of $200,000.00 for 15 years at 6.625% interest and 7.004% APR will have a monthly payment of $1,755.99. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

5 APR = Annual Percentage Rate. A fixed-rate mortgage loan of $200,000.00 for 10 years at 6.375% interest and 6.906% APR will have a monthly payment of $2,258.26. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

6 APR = Annual Percentage Rate. Restrictions may apply. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details.

 
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