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Mortgage Loans

There’s no place like home! That’s why CTCU offers a variety of home loan options to help you with everything from buying a home to accessing the equity in the place you already own. We know you’re making a big purchase commitment – and we make a commitment to help you qualify, apply and get approved for the best option for you.


We’re proud to help our members open the door to home ownership with quality mortgage products that lay the groundwork for a solid, successful future. Whether you’re a first-time homebuyer or a veteran of the real estate market, our mortgage professionals will guide you to the perfect home loan that fits your needs, budget and lifestyle.

  • Fixed-rate mortgages with terms up to 30 years
  • Adjustable-rate mortgages
  • Construction Loans
  • Land Loans
  • Commercial Loans
  • Bridge Loans
  • Buy downs
  • 100% financing options

Home Equity Loans

CTCU can help you use your home’s equity to get the cash you need, and we make the process of getting the perfect home equity loan simple, affordable and worry-free. Use the loan to remodel your home, jet off to a luxury vacation resort, pay for college tuition, purchase a vehicle or even consolidate high-rate debt.

Features include:
  • Competitive rates
  • Flexible terms
  • Interest paid on loan may be tax-deductible*

*See your tax advisor for more information.


At CTCU, we know it’s the little things that make life easier. That’s why we offer some of the smallest rates on one of your biggest investments…your home! So refinance with us to shrink the cost of your home and benefit from our:

  • Money-saving rates
  • Streamlined application process
  • Fast loan decisions
  • Experienced home loan consultants


CTCU prides itself on providing you with competitive rates on a wide range of loan options. The best way to obtain the most recent rates is to call one of our Real Estate Specialists.

Call our loan department at 903-561-2603 and press option 2.


APR=Annual Percentage Rate. The Annual Percentage Rate may increase after consummation of the loan.