A Variety of Mortgages for You

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

Conventional Mortgage Rates - Today's Featured Rates*

TermRateAPRPoints
30 Year Fixed3.875%3.950%0.000%
20 Year Fixed3.625%3.728%0.000%
15 Year Fixed3.375%3.506%0.000%
*This mortgage rate chart is as of 12/11/19 based on $225,000 75% LTV purchase with 740 FICO score. Please note that mortgage rates may change every business day.

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
Couple looking up at cute white 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.

house and magnifying glass

Loan Types

Buying new real estate can be exciting yet stressful. Let us take care of the financing for you. We pride ourselves on offering a variety of loan options with great rates and low fees.  And since we do our own in-house local decision making, help is just a phone call away.

  • 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*
  • Jumbo Mortgages
  • 80/10/10 PMI Alternative Mortgages
  • The Single Close Construction Loan with Fixed Rate Locked at Closing
  • Long Term Rate Lock up to 9 Months with Free Float Down within 60 Days (Conventional Purchases Only)
  • Rehab Loans
  • Portfolio Loans
  • Residential Lot Loans

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

* 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.