Home Loans
Come home to a better mortgage experience.
COMPETITIVE RATES
We put people over profits, so our members always win with great rates and lower fees.
EXPERT
GUIDANCE
Whether buying or refinancing, we have loan programs designed to fit your budget.
WE'VE GOT YOUR BACK
TAPCO always has your best interests at hear. We'll work with you to make the right choices.
LOANS THAT STAY LOCAL
Partnering with your local lender keeps your community strong and vibrant.
Meet your Home Loan Team
Mortgages
At TAPCO Credit Union, you'll find friendly home loan experts ready to assist in every way when you're buying a home. We live here, too, and we want to welcome you to the neighborhood.
- Conventional Mortgages: Choose fixed or adjustable rates with terms of 10, 15, 20 or 30 years, available for primary residences, vacation homes and investment properties
- FHA Loans: Qualified borrowers can buy a home with a smaller down payment, easier credit qualifications and low closing costs
- VA Loans: Up to 100% financing and no private mortgage insurance (PMI) required for veterans, active duty military, reservists and some military spouses
- USDA Loans: Zero-dollar down payments and relaxed credit requirements for those who wish to live in rural areas or certain suburbs
- First-Time Homebuyers: Down payments options as low as 3% for qualified borrowers*
Refinance Mortgages
Whether you want to lower your monthly payment, adjust your terms or cash out equity, a refi through TAPCO could help reset your finances.
- Offered in both variable and fixed rate options
- Refinance mortgage options include Conventional, FHA, VA, USDA
- Available in terms of 10, 15, 20, and 30 years
- Refinance your primary residence, vacation home or investment property**
- Includes the full Principal, Interest, Tax and Insurance (PITI) in your payment (Escrow)
- Closing costs can be rolled into your loan
Home Equity Loans
If a Conventional Refinance isn't the right fit, take a look at our Home Equity Refinance options.
Rates as low as 7.24% APR* Limited-Time Offer
Apply for a TAPCO Fixed Home Equity Loan today and lock in a special rate as low as 7.24% APR!
*A first-time buyer is any buyer that has not owned real estate in the past three years.
TAPCO partners with myCUmortgage who services our members’ mortgages on TAPCO’s behalf. Mortgage payments can be made in any TAPCO branch, online, via mail or set up as an automatic payment from any financial institution.
Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, LTV and collateral conditions. All loans subject to approval. TAPCO Credit Union NMLS#504286 provides mortgage loans in partnership with myCUmortgage., NMLS#565434.
**Conventional Refinances Only: TAPCO partners with myCUmortgage who services our member’s mortgages on TAPCO’s behalf. Mortgage payments can be made in any TAPCO branch, online, via mail or set up as an automatic payment from any financial institution. TAPCO Credit Union NMLS#504286 provides mortgage loans in partnership with myCUmortgage., NMLS#565434.
Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, LTV and collateral conditions. All loans subject to approval.