Your Mortgage Center

Whether you are looking for a traditional mortgage or need something a little outside the box, our lending experts will go the extra mile to find the financing that is right for you.

  • Great Rates & Service
  • Low Closing Costs
  • NO Junk Fees

Mortgage Relief: In order to be considered for a 90-day forbearance or payment modification, you must first let us know about your circumstances and how you are impacted. Deferment is not automatic. Learn more by visiting our Mortgage Assistance Page.

Meet Our Mortgage Loan Officers

We are here to help you secure the loan approval you need! With an extensive background in mortgage lending, we are committed to helping you find the best possible financial solution. APPLY TODAY with one of our Mortgage Officers.

Jessica Schoen Senior Mortgage Officer

NMLS#: 22486

JESSICA SCHOEN

Senior Mortgage Officer

I have many years of experience working with first time home borrowers so you can be confident I’ll help you find the mortgage loan best suited to your individual needs.

Matt Bannan

NMLS# 404022

MATTHEW BANNAN

Senior Mortgage Officer

Home financing is one of the biggest decisions you will make. I’m here to answer your questions, find the right loan for your situation, and make the process as anxiety-free as possible.

Stephanie Cabrera - Mortgage Loan Officer

NMLS# 1762372

STEPHANIE BARONE

Mortgage Loan Officer

As a bilingual Mortgage Officer I’m here to provide exceptional service to borrowers in English and Spanish. You can expect the highest level of friendly, informative, and professional service as you purchase your first home.

Scott McNally

NMLS# 1841508

SCOTT MCNALLY

Mortgage Loan Officer

Financing a home doesn’t need to be stressful. I’m here to help you find the right home loan to fit your needs. Whether this is your first home purchase, an investment property or a refinance, I will ensure your loan process runs efficiently and smoothly.

Man with arm around woman while looking at a new house

Let Us Take a Second Look and Get $50

If you are pre-approved by another lender, TEGFCU would like the opportunity to provide you with our own pre-approval decision, so that you can compare and to thank you for taking a second look we will give you $50.

Magnifying glass on white house with red roof

Today’s Featured Conventional Mortgage & Refinance Rates*

Mortgage Purchase Rates*

TermRateAPRPoints
30 Year Fixed3.250%3.297%0.000%
20 Year Fixed3.000%3.065%0.000%
15 Year Fixed2.500%2.581%0.000%
*These rate charts are as of 4/19/2021 based on a $250,000, 80% LTV loan amount with escrows, 740 FICO and 60 day lock period. Your individual rate may vary based on loan amount, purpose, credit, LTV, lock period and other credit characteristics. Please note that mortgage interest rates may change several times a day in reaction to market movement.

Rate & Term Refinance*

TermRateAPRPoints
30 Year Fixed3.250%3.297%0.000%
20 Year Fixed3.125%3.190%0.000%
15 Year Fixed2.625%2.707%0.000%
*These rate charts are as of 4/19/2021 based on a $250,000, 80% LTV loan amount with escrows, 740 FICO and 60 day lock period. Your individual rate may vary based on loan amount, purpose, credit, LTV, lock period and other credit characteristics. Please note that mortgage interest rates may change several times a day in reaction to market movement.

NO Junk Fees!

Making a mortgage affordable means not surprising you with extra closing costs. Compare our closing cost to other lenders and Just Say No to Junk Fees. You won’t find them at TEG.

  • No Application Fee
  • No Origination Fee
  • No Broker Fee
  • No Processing Fee
  • No Underwriting Fee
  • No Mortgage Rate Lock Fee
  • No Commitment Fee
  • No Administrative Fee
  • No Wire Transfer Fee
  • No Document Preparation Fee
  • No Miscellaneous Fee

A Variety of Mortgages for You

  • Home Equity Loans & LOCs
  • First Time Homebuyer Programs
  • Conventional Fixed-Rate Mortgages
  • FHA, VA, and USDA Mortgages
  • 10 Year First Mortgage with No Closing Costs*
  • 80/10/10 PMI Alternative Mortgages
  • Jumbo Mortgages
  • Rehab Loans
  • Portfolio Loans
  • Residential Lot Loans

* Borrower is responsible for prepaid items including interest, taxes and insurance if applicable. If loan is paid in full within 36 months, borrower will be responsible to pay $750 in closing cost recapture. An upfront appraisal fee may be required which will be refunded at closing.

First-time Homeowner Grant Program

The 2020 Homebuyer Dream Program Round is now closed.

We are proud to share that we were able to provide 10 members with grants, totaling $145,000. We look forward to assisting more first time homebuyers achieve their dream of homeownership in 2021. The program usually launches during the second quarter of the year and is available to qualified income eligible households who meet eligibility requirements on a first come first serve basis.

Hands Holding a House and a Heart

Submission requirements include:

  • Income documentation for all sources of income for each income earning adult in the household
  • Fully-executed Purchase and Sales Contract
  • Fully-executed Homebuyer Certification
  • Fully-executed Homeownership Counseling Certificate (which is valid for 18 months)

Important Tools & Information

Closing Costs

Nothing can put a damper on a dream home closing like extravagant closing costs. At TEGFCU we make it easier for you to close on your dream home. Learn More about Closing Costs

APR Information

Everything you need to know about Annual Percentage Rates. Learn About APRs about APR Information

Finance Options

See your options with financing with TEGFCU Mortgage Center See the Options about Finance Options

Document Checklist

Have everything you need? Make sure with our Document Checklist. View the Checklist about Document Checklist

Mortgage Glossary

A-Z Mortgage Terminology Read the Glossary about Mortgage Glossary

Mortgage FAQs

Have questions? We have answers. Get Answers about Mortgage FAQs

Home Loan Toolkit

Learn about your home loan. More Info about Home Loan Toolkit

Mortgage Calculators

See what matches your budget. Access the Calculators about Mortgage Calculators