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.

Office Hours
Monday-Thursday 8:30 - 4:30
Friday 8:30 - 5:00
Saturday (Drive-Thru Only) 9:00 - 12:00
Mon.-Fri. Drive Thru Opens at 8:00







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.

Loan Resources

Loan Application Pay Your Loan
Financial Calculator Insurance Products


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

        ●  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

        ●  Private Mortgage Insurance (PMI) is not required

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

        ●  We can usually close your loan within a couple of weeks...no drawn out process at our credit union

Your Responsibility
        ●  A completed residential loan application

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

        ●  A copy of your warranty deed

        ●  A paid appraisal for your property

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

        ●  Proof of homeowner's insurance

Below you will find a table showing how much money you could save by moving your higher interest rate home loan to Northeast Community Credit Union. A small rate change can mean tens of thousands of dollars over the course of your loan, take a look. The example below is based on a 15 year mortgage.

 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.

Home Calculators



External Link Disclaimer: 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) The linked website may have a privacy policy different than that of NCCU; (5) The linked website may provide less security than that of NCCU's website.
Main Office
980 Jason Witten Way
Elizabethton, TN  37643
Fax: 423-547-3825
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
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Equal Housing Lender - Member NCUA
Rates subject to change without notice
Certain Restrictions Apply

 © 2008 Northeast Community Credit Union