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We began our mortgage program because we thought you deserved a mortgage product from the people who care about you and your desires to ensure a stable future for your family.

Non-Conforming Loans
Upper Cumberland Federal Credit Union has offered Non-Conforming Mortgage Loans for over 15 years.  Non-Conforming Loans can be used to finance homes, single-wide mobile homes, double wide mobile homes, and land.  Non-Conforming Loans are best for people that want to finance for 15 years or less.  Home owners generally pay a 20% down payment.

Conforming Loans
The newest option offered by UCFCU is the Conforming Mortgage Loan Program.  This program offers more flexibility when financing a home.  Terms can be extended up to 30 years.  Rates are lower and there is a low or no down payment option.  Qualified borrowers may also qualify for down payment assistance.  Conforming Mortgage Loans are also available for first time buyers.

Variable Rate Home Equity Mortgage
We’ve all heard the saying "home is where the heart is", well, at UCFCU, home is where the cash is too! You’ve worked so hard making your mortgage payments, now make your mortgage work for you!
 
The UCFCU Variable Rate Home Equity Mortgage lets you finance up to 80 percent of your home’s appraised value minus existing liens, with terms up to 15 years.
It’s a great way to consolidate bills, take a vacation, or make home improvements.
 
For more information, stop by, call or e-mail us today!

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