Featured Prices. Pick a category above to look at our home loan choices.

Rates as of 18, 2020 9:30 AM CDT and are subject to change throughout the day november. All home loan prices consist of Extra Credit Discount 2 and require credit and loan approval. Prices differ predicated on debtor economic skills and loan to value. Refinance prices can be greater. Pose a question to your loan officer for lots more details.

PURCHASE

Choices consist of low down payments, first-time purchasers programs, and programs to get rid of PMI.

CREATE

ETFCU provides down payments as little as 5%, a construction that is 9-month, and a convenient one-time close.

REFINANCE

Our popular SmartMove Mortgage enables you to refinance your current home loan to a rate—with that is low closing expenses.

Residence Equity Loan/Second Mortgage

5, 10, or 15 term options year

Minimal credit history of 680

Maybe you’re prepared to make home improvements that add value to your residence or expel your high credit card financial obligation. Make it work well by having a true house equity loan/second home loan from ETFCU.

Renovation Loans

Finance as much as 95per cent of assessment value at the mercy of the true house improvements

For loan quantities as much as $510,400 or less 1

Main residence and 1-unit solitary family members dwellings just

Renovation must be finished by a licensed contractor that is general

Wish to renovate kitchen area or include your bathrooms? Our ETFCU renovation loan could be perfect for you to definitely achieve your entire needs that are fixer-upper! Limitations use. See web web page for complete details.

HomeOne SM

One or more borrower should be a first-time homebuyer

Needs the lowest deposit of 3%

30-year rate that is fixed

Receive up up to a $500 gift card at shutting

This home loan solution assists first-time homebuyers attain the dream of homeownership. Plus, there aren’t any debtor geographical or earnings restrictions.

Restrictions apply. See web page for complete details.

Community Hero 100

Accessible to instructors, nurses, first-responders as well as other community heroes

100% Funding

Fixed price regards to 15, 20, and three decades available

Receive up to $500 gift card at shutting

This home loan choice is an easy method for people to offer back again to several of those who play vital functions in our regional communities to allow them to benefit from the desire house ownership.

Restrictions use. See web web page for full details.

National Home Mortgages

ETFCU is proud to supply federal government mortgage item financing, including FHA, USDA, and VA. We is here now to assist your customers understand the different options offered to get the most readily useful program due to their requirements. Contact any ETFCU home loan originator or see us online to find out more.

80/15/5 (No PMI)

No PMI—providing you huge month-to-month savings

Down re re payments as little as 5%

A second mortgage will cover 15% associated with the cost

Receive up to $500 present card at shutting

Buy your new house with no PMI. Limitations use. See page for complete details.

Adjustable Speed Mortgage

Offers a decreased rate that is initial

Fixed for an initial term up to ten years

Adjusts annually thereafter

Receive up up to a $500 present card at shutting

Our adjustable price home loan programs can help you love a diminished price. Restrictions use. See web page for complete details.

Condo Loan

Down payments as little as 10%

Readily available for purchase or refinance

No closing expense refinance available

ETFCU offers programs to assist you buy or refinance your condo.

Freddie Mac Residence Potential Advantage

Needs just 3% advance payment

No reserves needed

Loan price maybe maybe not determined by credit history

Receive up up to a $500 present card at shutting

This home loan program is an excellent choice in the event that you don’t have income that is large. Limitations apply. See web web page for complete details.

Jumbo Loan

Loan quantity can meet or exceed the conforming limitation of the state of area

Buy and refinance choices

Receive up to a $500 present card at shutting

ETFCU’s Jumbo Loan system will allow you to secure your big mortgage. Limitations apply. See page for complete details.

Bridge Loan

Funding up to 90per cent of this appraised value

Interest-only monthly payments

9-month term

Minimal closing expenses

Make use of your home’s equity being a deposit on your brand-new purchase.

Traditional Home Loan

Guaranteed in full rate that is low

Fixed-rate terms from 10- to 30-years

Points and options that are no-point

Receive up to a $500 present card at shutting

Freeze the lowest, fixed payday loans West Virginia rate for the life of one’s home loan.

Restrictions use. See web page for complete details.

Residence Equity Personal Credit Line

Prices as little as 3.250per cent APR

No closing expenses, yearly cost, or prepayment charges

Interest-only house equity program additionally available

Require money for the expense that is large? Like a rate that is great you are taking advantageous asset of your home’s equity.

USDA Rural Housing Loan

$0 down – 100% funding available

Little towns, suburbs, and exurbs of major towns qualify

Competitive interest levels

Searching for a true house away from town restrictions? A USDA Rural Housing Loan may be best for your needs.

FHA Loan

Down payments as little as 3.5per cent

More requirements that are lenient earnings and credit score

Gift suggestions are allowed for down repayment and closing expenses

Our FHA program will make your ideal of home ownership a real possibility!

VA Loans

Available without any deposit

Fixed-rates offered at terms as much as 30 years

Loan amounts starting at $50,000

The VA loan can be acquired to qualified veterans and active-duty personnel that are military.

Construction Loan

Convenient one-time close can help you save thousands

Deposit as little as 5%

9-month construction period

Terms as much as three decades

Jumbo loan funding available

Receive up to $500 gift card at shutting

Our construction loan system could make your ideal house a real possibility. Limitations use. See web web page for complete details.

Turnkey Funding

No construction funding required

Prices could be locked as much as half a year

One-time price drop choice if market rates decrease

Jumbo loan funding available

Receive up up to a $500 gift card at shutting

Allow the builder of the option design your home that is perfect ETFCU will need proper care of one’s end financing requirements. Limitations apply. See web page for complete details.

80/10/10 (No PMI)

No PMI—providing you huge month-to-month cost savings

Down re payments only 10per cent

A second home loan will cover 10% associated with the cost

Receive up to and including $500 present card at shutting