Trust Federal Credit Union offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
15 & 30 year FHA Loans
15, 20 & 30 year fixed Conventional Purchase
15, 20 & 30 year Refinance
7 & 10 year Balloon Loans
Home Equity Line of Credit
VA Loan

15 & 30 year FHA Loans
We offer 15 and 30 year FHA loans, which require only a 3.5% down payment. This down payment may be gifted by a relative. These loans are an excellent solution for the first time homebuyer, and may be done up to a loan amount of $271,050.

15, 20 & 30 year fixed Conventional Purchase
The most popular loan for most individuals; provides long term repayment of the loan with short term tax deductibility; the payment never changes over the life of the loan with a maximum loan amount of $417,000.

15, 20 & 30 year Refinance
Refinance to get a better interest rate and lower monthly payment. We also have Cash Out Refinances available to tap into the equity and take care of some home improvement projects.

7 & 10 year Balloon Loans
Finance up to 90% Loan to Value without paying PMI. The Balloon is an in-house product and remains with your Credit Union; loan will have a large final payment at the end of the requested term (7 or 10 years), and require refinancing at the current market rate at that time or be paid off in full.

Home Equity Line of Credit
Utilize the equity in your home to accomplish any remodeling projects you may have. We have a 6 month introductory rate of 1.99%. After which, rate changes to prime, prime+1 or prime+2, based upon member’s credit.

VA Loan
For qualifying active members or veterans and surviving spouses this loan requires little or no down payment and no mortgage insurance.



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.