Helping YOU is why we’re here! Our service is second
to none. Our loan experts will take time to find the best loan for your specific circumstances, and our rates and closing costs are the most competitive around.
Whether you’re looking to —
- Buy your first home or your last,
- Refinance your current mortgage to get a lower rate,
- Make some home improvements, or
- Consolidate your other debts…
…we can get you the best home loan at the best value. We offer a variety of mortgage loan types to meet your needs! Click here to apply today!
If you are in the market for a new home, why not get pre-approved BEFORE you start shopping? This will let you know what size home you can afford and will provide your realtor assistance when finding the perfect home for you.
We can also refinance your existing home loan and provide options you don’t have now. Our members have the option of adding to their mortgage throughout the years without having to pay high refinancing costs. This is a tremendous savings and our members absolutely love this option – it’s the most popular feature of our mortgage loans, and is the reason most folks choose to get a mortgage loan here rather than from another lender. Be sure and ask us more about this convenient and money-saving feature.
We’re normally able to approve your mortgage loan within hours once you’ve submitted the required documents. We’ll explain the process to you so you can make the best decision. This is a FREE service — you won’t need to come to our offices to see if you qualify for a home loan, we can evaluate things for you by phone or online. It’s one more way we make getting home loans EASY AND CONVENIENT.
We know how to make what could be a complicated, time-consuming process at other financial institutions, into a simple and easy one at Northeast Community Credit Union. If you’ve got a question, just ask us! We realize buying a house may only happen once or twice in a lifetime. You might be hearing terms that are unfamiliar to you –ARMS, escrow, variable rates, warranty deed, deed of trust, to mention a few. That’s why we’re here – we know the terms and are eager to help you – let us be your go-to source for all the answers. Plus, you’ll make your payment to us, always – we don’t sell our loans as many larger institutions do.
We will finance loans for….
- Owner occupied single family dwellings
- Second homes and vacation homes
- Manufactured homes placed on your own property
- HELOC loans and first or second mortgages on your primary dwelling
- Land
Loan Features
- Lowest closing costs and best rates around
- We typically loan up to 85% of the value of the home (less any existing liens you owe on it) and first-time homebuyers loans may qualify for more.
Taxes and Insurance
We Make It Easy
- We will never sell your loan to another institution. You will always make your payments to our credit union and deal with people you know
- We generally loan on property within 25 miles of our office locations
- You may select your loan payment frequency–weekly, biweekly, semi-monthly, or monthly
- An escrow account will be maintained at the credit union to pay your homeowner’s insurance and property taxes for you
What You’ll Need…
- A completed residential loan application
- Verification of your income (simply get us a current check stub)
- A copy of your warranty deed
- Any lien information currently against your property (if you currently owe anyone for your home)
- Proof of homeowner’s insurance
Modification Agreements
Once you have your home loan at Northeast Community Credit Union, you have a very special feature 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 do this without paying the high cost of refinancing. Most other financial institutions require you to refinance your loan and go through the expensive closing process again, but not at Northeast Community Credit Union. Simply pay a small modification fee and get more money from your home’s equity in no time at all. This is just one more way we’re always here when you need us.
Nationwide Multistate Licensing System Registry
- Northeast Community Credit Union NMLS #520867
- Stephanie Grindstaff NMLS #586669
- Whitney Blevins NMLS #1059681
- Wendy Mahan NMLS #586663
- Amy Huskins NMLS #1243459
- Aubri Humphrey NMLS #2454133
- Brandi Stout NMLS #2600643
- Cheryl Phillips NMLS #2634416
Certain restrictions apply & terms may be subject to change without notice. Risk based lending, certain rates based on credit scores.
Call 423-547-1200 for more info today!
Rental Property Loans
Are you looking for a rental home to purchase, or have rental property you’d like to refinance? We have an awesome loan for that!
NCCU offers rental property loans for properties less than 75 years old. Loans are financed for up to $250,000 up to 15 years. Plus, we’ll never sell your loan!
Contact one of our loan experts for more information on rental property loans today at 423-547-1200.
