Home Loans
Come home to a better mortgage experience
This is much more than a transaction. This is all about your options and the life-changing results that can follow.
Find a home loan that fits your budget and lifestyle
You could save money over the life of your home loan
We know the local housing market and national mortgage industry
The people you want to talk to are here, not long distance
Purchase Mortgages
At TAPCO Credit Union, you'll find friendly home loan experts ready to assist in every way when you're buying a home. We live here, too, and we want to welcome you to the neighborhood.
- Conventional Mortgages: Choose fixed or adjustable rates with terms of 10, 15, 20 or 30 years, available for primary residences, vacation homes and investment properties
- FHA Loans: Qualified borrowers can buy a home with a smaller down payment, easier credit qualifications and low closing costs
- VA Loans: Up to 100% financing and no private mortgage insurance (PMI) required for veterans, active duty military, reservists and some military spouses
- USDA Loans: Zero-dollar down payments and relaxed credit requirements for those who wish to live in rural areas or certain suburbs
- First-Time Homebuyers: Down payments options as low as 3% for qualified borrowers*
Refinance Mortgages
Whether you want to lower your monthly payment, adjust your terms or cash out equity, a refi through TAPCO could help reset your finances.
Conventional Refinance
- Offered in both variable and fixed rate options
- Available in terms of 10, 15, 20, and 30 years terms
- Refinance your primary residence, vacation home or investment property**
- Includes the full Principal, Interest, Tax and Insurance (PITI) in your payment
- Closing costs can be rolled into your loan
SIMPLE Refinance
- Available in terms of 10 and 15 years
- With a Simple Refinance, TAPCO does not escrow the taxes and insurance portion of your payment
Turn Your Home’s Value Into Cash
Use your home’s value to unlock financial freedom. Whether it’s for major renovations, debt consolidation, or personal expenses.
*A first-time buyer is any buyer that has not owned real estate in the past three years.
TAPCO partners with myCUmortgage who services our members’ mortgages on TAPCO’s behalf. Mortgage payments can be made in any TAPCO branch, online, via mail or set up as an automatic payment from any financial institution.
Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, LTV and collateral conditions. All loans subject to approval. TAPCO Credit Union NMLS#504286 provides mortgage loans in partnership with myCUmortgage., NMLS#565434.
**Conventional Refinances Only: TAPCO partners with myCUmortgage who services our member’s mortgages on TAPCO’s behalf. Mortgage payments can be made in any TAPCO branch, online, via mail or set up as an automatic payment from any financial institution. TAPCO Credit Union NMLS#504286 provides mortgage loans in partnership with myCUmortgage., NMLS#565434.
Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, LTV and collateral conditions. All loans subject to approval.