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Home Loans - Purchase / Refinance / Second Home / Home Construction

Home Loans

Are you purchasing a home, refinancing to lower your interest rate, or taking cash out, purchasing a second or investment property, check out KTCCU mortgage program!

Our mortgage loan officers can assist you obtain a mortgage loan that is tailored for you. KTCCU has made the application process fast and simple. Apply online and get pre-approved to be ready to shop for your new home. The credit union offers low interest rates, and minimal closing costs. Tell your realtor that you will be using KTCCU to finance your new home.

The credit union offers the following types of mortgage loans:

Conventional Loans 

Conventional mortgage loans must adhere to the mortgage guidelines set up by the Federal National Mortgage Association. If you have good credit, a steady income and can afford the down payment, conventional loans lower interest rates than government -insured counterparts.

Click the button to obtain information about our rates, apply for a loan, track the status of your loan, and obtain information about our mortgage products.

Mortgage Loan Information / Apply for a Mortgage Loan

FHA Mortgage Loans

An FHA loan is a mortgage insured by the Federal Housing Administration. Borrowers with FHA loans pay for mortgage insurance, which protects the lender from a loss if the borrower defaults on the loan. For more information about FHA Mortgages:


USDA Mortgage Loans

The U.S. Department of Agriculture program assists loan and very low-income applicants obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability. For more information about USDA Mortgages:


Home Construction

KTCCU can help you build the home of your dreams. We can finance the construction of the home and then convert the construction loan into a permanent mortgage loan. We offer low rates and fees. Contact our mortgage loan officer for more information.