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We have a variety of low cost
loans available to meet your specific borrowing needs. Whether it's making home
improvements, buying your dream house, financing an education, or purchasing your
next vehicle, our competitive rates and flexible repayment terms can help stretch
the purchasing power of your hard earned dollar.
Real Estate Loans
We have a variety of low-interest loan options to meet your real estate borrowing
needs. Whether you are looking to finance the purchase of a new home, refinance
your current mortgage, or borrow against your Home Equity, we can help make it
happen. The Mortgage Loan types we have available are:
- FHA & VA Loans
- No-Income Verification Loans
- Non-conforming Loans
- Construction Loans
Whichever one you choose, you can count on a great low rate, comfortable repayment
terms, and of course professional and courteous service. Mortgage refinancing
is also available for those members who already financed their home through another
lender. Call today, or stop by any office to be pre-qualified.
Home Equity Financing
Use your home equity without selling your home! How? Our Home Equity Loan
can let you tap the cash reserve in your home and use the money to finance home
improvements, or perhaps a much needed vacation.
- $5,000 Minimum loan amount
- Variable and Fixed Rates Available
- No Application Fee
- No Closing Costs (depending on the program you choose)
- No Points
- Borrow up to 95% of your Home's Value
- Programs available to borrow up to 90% of your Home's Value
Mortgages
Our Mortgage Rates Are Good… With A Quarter Percent Off, They're Great!
Save big with an extra reduction on your interest rate! Apply now through July 31, 2008 for TEG's low-rate, hassle free mortgage and receive a quarter percent off the interest rate for the life of the loan (purchase or refinance).
We don't want you to miss out on this. If you're unable to submit an application by the July 31, 2008 promotion deadline, just fill out a registration form and submit it to TEG by July 31, 2008. We'll extend the quarter percent discount for your new loan application through December 31, 2008.
At TEG, you're sure to find a loan that meets your needs at a great low rates that you can afford such as Conventional (Fannie Mae or Freddie Mac), Government (FHA or VA), Investment property and New Construction mortgage loans. Financing your dream home has never been easier! Here are some of the benefits of financing your Mortgage with us:
- NO APPLICATION FEE!
- Free Mortgage Consultation
- Quick & Easy Pre-Approvals
- Fixed and Variable Options
- Up To 100% Financing
- Up To 40 Year Terms
- No Down Payment Options
- Competitive Closing Costs
- Online Payments
Mobile Home Financing
TEG has partnered with First Credit Corporation to offer Mobile Home Financing with the following terms:
- Mobile Home Parks only, no private or rented land
- Terms up to 20 years
- 24 hour credit decision
- No prepayment penalty
- Long-term financing with low monthly payments
- Homeowner's Insurance packages
To apply, stop in at any Branch for an application or call First Credit Corporation at 1-800-562-6036 and let them know that you are a member of TEG.
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Vehicle Loans
Get preapproved before you go shopping. Whether it is a new or used car, truck,
motorcycle, RV, jetski, snowmobile, etc., we can provide you with competitive rates and terms up to 84
months, financing up to 120%, fast pre-approval, and payments to fit your budget.
Overdraft Protection Line of Credit
In case of accidental NSF (non-sufficient funds) checks, you will be covered with
an Overdraft Protection Loan. Once you are approved, your line remains available
indefinitely unless you request it be removed and it is free if it is not used.
You pay interest only on the amount that was used to cover your account, until
you pay back the overdrawn amount.
- Line available up to $1,000
- Payments due on 25th of month
- Payments based on 2.4% of outstanding balance
- Variable Interest Rate
Certificate Loans
With a share certificate loan, your loan is secured by the funds in your certificate
of deposit. Your share certificate will also continue to earn dividends.
Share Secured Loans
You can make money and spend it too with a Share Secured Loan. If you are considering
withdrawing money from your Share Account to fund a purchase, think again. Why
not borrow the money you need against your Share Account. You will get a great
interest rate. Plus, you can borrow up to 120 months, and your money stays in your
account earning interest.
Personal Loans
This loan is one of our most popular and most flexible loans because it can be
used to fund almost any need, you name it! All we need is your signature and good
credit. You can borrow up to $20,000 for up to 60 months if you qualify!
- Debt Consolidation
- Student Loans
- Computer Loans
- Holiday Loans
- Vacation Loans
- Appliance/Furniture Loans
Loan Protection
Loan payment protection is available through your credit union for a minimal cost.
When applying for a loan, consider credit life and credit disability insurance.
"When you can't make your payments, who will?"
Loan Application
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