Mortgage
Where you get your mortgage, matters.
Meet Our Mortgage Officers
Whether you’re gathering information, crunching the numbers, or preparing to fill out your application, we have the tools and resources you need. Allow our local and dependable Mortgage team to walk you through the process of purchasing, refinancing, or building your new home!
Stefan Schpuntow
MORTGAGE OFFICER
“It always takes less time to do it right the first time.” A common phrase Stefan thinks of when he works on advancing his craft of helping members with their real estate needs. He does so by encouraging and researching smart lending options for them after listening to their stories.
Work with Stefan
NMLS# 1023545
Sean Youngman
MORTGAGE OFFICER
“I look forward to strengthening many great relationships with our members and will embrace the challenges of today’s Mortgage Lending environment and I am dedicated to helping your dreams come true.”
Work with Sean
NMLS# 327554
Jennifer Spicer
CONSUMER/MORTGAGE LOAN OFFICER
With more than 20 years experience in real estate; Jennifer is an expert on seeing things that other industry professionals may overlook. She is passionate about finding creative financing solutions for her members no matter how complex.
Work with Jennifer
NMLS# 1937723
Christine Lundy
CONSUMER/MORTGAGE LOAN OFFICER
“My goal in real estate is to provide the lending knowledge and assistance for the buyer and seller to come together in a real estate transaction. I understand what is important to my members. Buying, selling refinancing or investing in a home is a major decision; I want my members to be satisfied with their purchase during and after the sale.”
Work with Christine
TN Real Estate Broker Lic: 280316
NMLS# 185651
Staff NMLS#
CU NMLS #403283
Selection of Loans Include:
We offer competitive rates, free pre-qualification approvals, and face-to-face, local service to save you time and money. Our real estate team has earned a reputation of being efficient and trustworthy.
Today's Featured Rates
Conventional
Conventional loans are those that are not associated with government programs, such as the Federal Housing Administration (FHA), but they offer great rates and friendly terms. More substantial down payments and solid credit are required. In some cases, you’ll need private mortgage insurance, which adds to the overall payments. However, the insurance can eventually be removed as you reach an 80% loan-to-value.
Fixed-Rate Mortgages
When rates are low, lock them in with a fixed-rate mortgage. Your payments stay the same for the loan’s entire term. This is a popular choice because of its predictability and consistency.
Home Equity Line of Credit
Offers great low rates and allows you to borrow what you need, when you need it, similar to a credit card. Variable interest rate that adjusts with Prime Rate. Ideal for home renovations, education expenses, supporting family, and emergency expenses.
Home Equity Loan
Receive funds in a lump sum with a fixed rate, and fixed monthly payments, utilizing the equity in your home. This loan is ideal for home renovations, car purchases, debt consolidation, or any other one-time purchase.
Construction Loans
Helping build dreams from the ground up. Construction loans are short-term, interim loans used for new home construction. The lender pays the contractor – not the borrower – in installments as building milestones are achieved.
Adjustable-Rate Mortgages (ARM)
ARMs have a fixed period of time during which the initial interest rate remains constant, after which, the interest rate adjusts at a pre-arranged frequency. After the initial term, the loan resets, meaning there is a new interest rate based on current market rates.
- Lower Initial Interest Rates
- Adjustable Term Options Available
- Terms Up to 40 Years Available
Government Loan Programs
Cabin Loans
We offer competitive financing for the purchase of cabins, vacation homes, and investment properties.
Rehabilitation Loan
Used for the acquisition and renovation of a 1-4 family, owner-occupied property. This is a one-time closing loan that does not require refinancing after the property is complete. Our rehabilitation loan is an in-house loan without excessive terms and conditions.
Government Loan Programs
There are several government-backed loan programs for borrowers. Talk to a mortgage officer to see if one of these is right for you.
FHA
The Federal Housing Administration (FHA) offers a smaller down payment option of only 3.5% along with higher allowances for other debt and credit scores as low as 620. Fun Fact: Over 80% of FHA loans are first-time buyers.
97% Conforming
For first-time homebuyers with a Loan to Value (LTV) greater than 95%, these loan products, from both Fannie Mae & Freddie Mac may be the perfect solution. There are fixed and ARM terms available, as well as refinance opportunities.
USDA/Rural Development
For qualifying homes in rural areas, with borrowers under the low to moderate income limits that need 100% financing, this may be a great product to become a homeowner.
HomeReady
Another recommended option for borrowers that may have limited cash for a down payment, but have a higher credit score and fall under income limits, are HomeReady loans. Borrowers will notice competitive pricing and can be first-time or repeat homebuyers.
VA
For those active service members, Veterans, and eligible surviving spouses who want to become homeowners and utilize up to 100% financing, a VA loan may be an ideal option. The US Department of Veteran Affairs provides a home loan guarantee benefit and other housing-related programs to help borrowers buy, build, or retain a home.
Yep, you’ll need paperwork.
Don’t worry, view our checklist to see what’s needed.
Get a customized quote based on your loan details.
Contact a Mortgage Officer.
Start the pre-approval process online.
Property Insurance
The insurance professionals at TruStage® are ready to help you protect your biggest investimate.
Home Equity
Make home improvements or eliminate payments on your credit card.
BECOME A MEMBER
Your story may bring you here in celebration, because of exciting future plans, or a life changing event. Maybe you are struggling and looking for help, or perhaps going to the credit union is an errand in your day. All of these stories matter to us!