Download Home Buying Guide

Looking to buy a home? We’ve got you covered.

Whether it’s your very first house or you’ve been through this before, TTCU is here to make the process simple and stress-free. From helping you secure the right mortgage to guiding you toward your dream home and protecting your investment, we’ll be with you every step of the way.

Qualifying loan options include:

Let TTCU guide you through the mortgage process - step by step.

From application to closing, we'll make it simple and stress-free so you can focus on finding the home you love. Contact a Mortgage Loan Originator for assistance or apply online.

Fixed-Rate

Fixed-Rate Mortgages: Simple, Steady, Secure

Want peace of mind with your monthly payments? A fixed-rate mortgage keeps your interest rate the same for the entire life of your loan - no surprises, no fluctuations.

The biggest benefit? Predictable payments. Unlike adjustable-rate mortgages, your payment won’t change when interest rates do. That means you can plan your budget with confidence.

Ready for stability? Let’s talk about a fixed-rate mortgage today!

FHA & VA

FHA & VA Mortgages: Making Homeownership Possible

Buying a home can feel overwhelming - especially if it’s your first time. TTCU is here to make it easier with mortgage options designed to help you overcome common hurdles like big down payments.

FHA Loans

Backed by the Federal Housing Administration, FHA loans offer flexible requirements and are a great choice for first-time buyers.

VA Loans

Exclusively for military members, veterans and surviving spouses, VA loans are guaranteed by the Department of Veterans Affairs and provide incredible benefits, including no down payment in many cases.

Key Benefits:

Lower Down Payments – Often require less upfront cash.
Easier Qualification – Flexible credit and income requirements.

These programs give you more ways to achieve your dream of homeownership.

Ready to make your move? TTCU is here to help you find the right solution for your home purchase. Contact a Mortgage Loan Originator for assistance or apply online.

Native American HUD Section 184

Native American Home Loans: Special Loans for Tribal Members

Are you a member of a federally recognized tribe and looking for a home loan? TTCU offers Native American Home Loans designed to make the buying process easier and more affordable.

These loans are backed by HUD’s Office of Native American Programs under the Section 184 program, giving you extra security and great benefits:

Why Choose a Native American Home Loan?

Low Down Payment – Only a small down payment is required, and it can be gifted.
Seller Contributions – Sellers can contribute up to 6% of the purchase price.
Flexible Options – Refinance or sell at any time.
Expert Guidance – Our experienced mortgage team will customize your experience and walk you through every step.

Your dream home is closer than you think. Contact a Mortgage Loan Originator for assistance or apply online.

USDA

Open the Door to Rural Homeownership with USDA Loans

Dreaming of a home in a rural community? USDA Loans make it possible with $0 down payment, competitive rates and flexible credit requirements, helping you achieve homeownership without the usual barriers**.

Why Choose a USDA Loan?

No down payment required
Competitive interest rates
Relaxed credit guidelines
Penalty-free early repayment

At TTCU, we understand the unique benefits and requirements of USDA Loans. Our experienced team is here to guide you every step of the way - from application to closing.

Ready to see if a USDA Loan is right for you? Start your journey today by speaking with one of our loan officers. Don’t miss this opportunity to make your dream home a reality.

**USDA loans are subject to location and income restrictions

Jumbo

Jumbo Loans with TTCU

Looking to finance a high-value home? TTCU offers jumbo loans designed for properties that exceed standard conforming loan limits. These loans are perfect for members with unique financial needs who want the flexibility to purchase the home they truly want.

With a jumbo loan from TTCU, you’ll enjoy:

Competitive rates to keep your payments manageable
Personalized guidance from local lending experts
Flexible options tailored to your financial goals

Because jumbo loans involve larger amounts, they typically require:

A higher credit score
larger down payment

Our team is here to walk you through every step and make the process simple and stress-free. Contact a Mortgage Loan Originator for assistance or .

Construction

New Construction Loans

Build your dream home with confidence.

TTCU can help you save time and money with our new construction loans. These loans come designed to simplify financing for your new home. You’ll enjoy a short-term, fixed-rate construction period that is easily refinanced into your permanent financing once your home is complete.

How it works:

Provide a construction contract, timeline, detailed plans/specs and a proposed budget during application
Make interest-only payments during construction, based on progress milestones
When construction is finished, we help you refinance into a permanent mortgage

Our experienced Mortgage Lending Team will guide you every step of the way - so you can focus on turning your vision into reality.

Ready to start building? Let’s make it happen together. Contact a Mortgage Loan Originator for assistance or apply online.

Adjustable-Rate Mortgages

Adjustable-Rate Mortgage

Looking for a mortgage that gives you stability now and options later? TTCU’s Hybrid Adjustable-Rate Mortgage (ARM) might be for you. Speak with one of our Loan Officers for details.

Frequently Asked Questions

Are there closing costs associated with a Home Equity Line of Credit?

Can I be notified when mortgage/refinance rates are updated?

Can I change insurance companies for my homeowner's policy? Do I need to notify you?

Can I delete my escrow account?

Can I roll my closing cost fees into my loan?

Do I need to provide you with proof of my homeowners insurance?

View More FAQs

Online Banking

First Mortgage