Mortgage Loans

As your Credit Union, your best interests are why we’re here. Our service is second to none, our real estate professionals will take the time to find the best loan for your specific circumstances, and our rates and fees are some of the most competitive around.


Whether you’re looking to


   1. Buy your first home or your


   2. Refinance your current loan

       to a lower rate

   3. Want to make home


   4. Consolidate your debts


 We can give you the best home loan at the best value.



We offer a variety of mortgage loans to meet your needs!


If you are in the market for a new home, get pre-approved BEFORE you start shopping. It will let you know what size home you can afford and will provide your realtor assistance when finding a home to meet your needs.



We can refinance your existing home loan and provide options you may not presently have. Our members have the option of adding to their mortgage throughout the years without having to pay refinancing costs. This is a tremendous savings and our members love this option. Ask us more about our modification agreements if you decide to refinance with us.


We are able to approve your loan within a couple of hours after you have submitted the required documents. We will explain the process to you and show you all the costs so you may make a good decision. This is a FREE service so there is no reason not to stop by one of our offices to see if you qualify for a home loan.


We are everyday folks and understand this is a complicated process so we will make it as simple and easy as possible. If there is something you don't understand, ask us! We realize buying a house may only occur once or twice in your lifetime. You are probably hearing terms that are unfamiliar--ARMS, escrow, variable rates, warranty deed, deed of trust, etc. Hey, we know everyone needs a little help with all the terms. That is why we are here for YOU!


We will finance loans for....


        ●  Owner occupied single family dwellings

        ●  Owner's second homes or vacation homes

        ●  Manufactured homes placed on your own property

        ●  Second mortgages on your primary dwelling


Loan Information


        ●  Low closing costs

        ●  We will loan up to 85% of the appraised value of the home

        ●  First-time homebuyers loan--100% of the sales price up to $150,000

        ●  An escrow account will be maintained at the credit union to pay your homeowner's insurance and

             your property taxes

        ●  We will NEVER sell your loan to another institution. You will always make your payments at the

             credit union and deal with people you know for all your mortgage needs

        ●  We may loan on property within a 100 mile radius of any of our locations

        ●  No Private Mortgage Insurance (PMI)

        ●  You may select your payment frequency--weekly, bi-weekly, semi-monthly, or monthly


Your Responsibility


        ●  A completed residential loan application

        ●  Verification of your income (bring a current check stub)

        ●  A copy of your warranty deed

        ●  Any lien information currently against your property (do you currently owe anyone for your home?)

        ●  Proof of homeowner's insurance


First Time Home Buyers

100% Loans for first time home buyers.   We realize you are just getting started and it would be difficult to come up with a large down payment.  We will finance 100% of the purchase price of your first home up to $150,000.

Choose your payment frequency -  You choose when you want your loan payment due and the frequency:  monthly, semi-monthly, bi-weekly, or weekly.  Direct deposit or automatic debit from your checking account is available.


Modification Agreements

Once you have your home loan here you have a very special product that can be used throughout the term of your loan.  At any time in the future if you want to add money to your mortgage and bring the balance back up to your original deed of trust you can add the funds without paying the high cost of refinancing.    Almost all other financial institutions will require you to refinance your loan and go through the expensive closing cost process….but not at your credit union.


Contact us today for all your home loan needs!


Northeast Community Credit Union NMLS #520867

Stephanie Grindstaff NMLS #586669

Jeannie Holder NMLS #586661

Whitney Blevins NMLS #1059681

Wendy Mahan NMLS #586663

Stacy White NMLS #1187985

Amy Huskins NMLS #1243459


Certain restrictions apply. Terms subject to change without notice. Risk based lending. Rate received based on credit score. Call today at 423-547-1200, 423-543-7777, 423-772-3115 or 423-722-6228.


Your Insured Shares:

Your shares are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Association. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. The NCUSIF is backed by the full faith and credit of the United States government. Your money is safe with us.


Equal Housing Opportunity Member NCUA

Rates subject to change without notice

Certain Restrictions Apply

 © 2008 Northeast Community Credit Union


Lost VISA Check Card

Call 1-800-472-3272

Then call us at 423-547-1200


Lost VISA Credit Card

Call 1-800-558-3424

Then call us at 423-547-1200


Main Office

980 Jason Witten Way

Elizabethton, TN  37643


Member Services Fax: 423-547-3825

Accounting/Admin Fax:



Johnson City Branch

313 W. Oakland Avenue

Johnson City, TN  37604


Fax: 423-722-6230


Elizabethton Branch

1321 Highway 19E

Elizabethton, TN  37643


Fax: 423-543-7783


Roan Mountain Branch

8301 Highway 19E

Roan Mountain, TN 37687


Fax: 423-772-0004


ABA / Routing #  264278827

NMLS #520867



Hours of Operation

Monday through Thursday

8:30a.m. to 4:30 p.m.

Drive-thru opens at 8 a.m.



8:30 a.m. to 5:00 p.m.

Drive-thru opens at 8 a.m.



(Drive-thru only)

9:00 a.m. to Noon

External Link Disclaimer: *Every time you click on an external link, you may be leaving  the NCCU web site and linking to an alternate web site that is not operated by NCCU. The appearance of a link on this or any other Northeast Community Credit Union page constitutes neither an endorsement nor recommendation by NCCU. The presence of a link in any way should not be construed as a suggestion that the site has any relationship with NCCU. When viewing these pages please remember that: (1) NCCU is not responsible for the content, product or services advertised on those sites; (2) NCCU does not guarantee the products, information, or recommendations provided by linked sites; (3) NCCU is not liable for any failure of products or services advertised on those sites; (4)“NCCU does not represent either the third party or the member if the two enter into a transaction (5)The linked website may have a privacy policy different than that of NCCU; (6) The linked website may provide less security than that of NCCU's website.