Home Loans
Local experts. Personalized service. Whether buying your first home, refinancing, downsizing or upgrading, we’re here with local knowledge, responsive support, and mortgage solutions that fit your needs.
Apply Now
Meet the Team
Home Loans
Local experts. Personalized service. Whether buying your first home, refinancing, downsizing or upgrading, we’re here with local knowledge, responsive support, and mortgage solutions that fit your needs.
Apply Now
Meet the Team
The Path to Your Best Mortgage Solution Starts Here
Purchase
First home? New home away from home? Whatever your buying need, we’re here to help.
Refinance
Looking to save money or change your term? We have competitive rates, a simplified process, and expert support every step of the way.
Build
Construction & Land Loans. Building from the ground up? We’ll help you from start to finish.
Purchase | Refinance | Build | |
|---|---|---|---|
| Conventional Loan: Fixed rate mortgages. For your primary residence, second home, or investment property. |  | | |
| Portfolio Loan: Programs specific to TVFCU created with our members' needs in mind. Fixed rate or adjustable rate mortgages. | | | |
| Jumbo Loans: For those looking to borrow over $806,500 (as of 2025). Fixed and adjustable. | | | |
| VA Loans: No down payment or mortgage insurance—exclusive to eligible veterans, active-duty service members, and spouses. | | | |
| FHA Loans: For those seeking flexible credit qualifying criteria or low down-payment options for their primary residence. | | | |
| Home Equity Options: Offered as a fixed-rate Loan, or Line of Credit (HELOC). | | ||
| Land Loan: Offered as a fixed rate or adjustable rate. | | | |
Purchase
| Conventional Loan: Fixed rate mortgages. For your primary residence, second home, or investment property. |  |
|---|---|
| Portfolio Loan: Programs specific to TVFCU created with our members' needs in mind. Fixed rate or adjustable rate mortgages. | |
| Jumbo Loans: For those looking to borrow over $806,500 (as of 2025). Fixed and adjustable. | |
| VA Loans: No down payment or mortgage insurance—exclusive to eligible veterans, active-duty service members, and spouses. | |
| FHA Loans: For those seeking flexible credit qualifying criteria or low down-payment options for their primary residence. | |
| Home Equity Options: Offered as a fixed-rate Loan, or Line of Credit (HELOC). | |
| Land Loan: Offered as a fixed rate or adjustable rate. | |
Compare Accounts
Refinance
| Conventional Loan: Fixed rate mortgages. For your primary residence, second home, or investment property. | |
|---|---|
| Portfolio Loan: Programs specific to TVFCU created with our members' needs in mind. Fixed rate or adjustable rate mortgages. | |
| Jumbo Loans: For those looking to borrow over $806,500 (as of 2025). Fixed and adjustable. | |
| VA Loans: No down payment or mortgage insurance—exclusive to eligible veterans, active-duty service members, and spouses. | |
| FHA Loans: For those seeking flexible credit qualifying criteria or low down-payment options for their primary residence. | |
| Home Equity Options: Offered as a fixed-rate Loan, or Line of Credit (HELOC). | |
| Land Loan: Offered as a fixed rate or adjustable rate. | |
Compare Accounts
Build
| Conventional Loan: Fixed rate mortgages. For your primary residence, second home, or investment property. | |
|---|---|
| Portfolio Loan: Programs specific to TVFCU created with our members' needs in mind. Fixed rate or adjustable rate mortgages. | |
| Jumbo Loans: For those looking to borrow over $806,500 (as of 2025). Fixed and adjustable. | |
| VA Loans: No down payment or mortgage insurance—exclusive to eligible veterans, active-duty service members, and spouses. | |
| FHA Loans: For those seeking flexible credit qualifying criteria or low down-payment options for their primary residence. | |
| Home Equity Options: Offered as a fixed-rate Loan, or Line of Credit (HELOC). | |
| Land Loan: Offered as a fixed rate or adjustable rate. |
Compare Accounts
How to Get Started
Your Loan Is Just Clicks Away
We make it easy.
- Meet our mortgage team and apply today.
- Call us at 423-634-3600 with any questions or to request more information.
- Start a video call with our local mortgage experts today.
Real Rates. In Real Time.
Get instant access to the most up-to-date loan rates and options available through TVFCU. With this calculator, you can easily compare, customize, and find the mortgage that fits you best.
Apply NowFixed-Rate Loan
When Consistency Matters Most
Understanding the intricacies of mortgage loan options is crucial for making a more informed decision.
- Unchanging, “locked-in” payments that let you accurately forecast and manage your finances without surprises.
- Protection from interest increases, ensuring your mortgage rate remains unchanged even if market rates rise
- Long-term stability that’s ideal for those planning to stay in their homes for extended periods
Adjustable-Rate Loan
When Flexibility Is Important
Adjustable-rate mortgages (ARMs) offer interest rates that adjust periodically based on market conditions, providing potential advantages.
- ARMs often start with lower interest rates compared to fixed-rate mortgages, resulting in reduced initial monthly payments.
- If market interest rates remain stable or decrease, borrowers may benefit from lower payments over time.
- Short-term suitability is ideal for those planning to sell or refinance before the adjustable period begins.
VA Loan
Committed to Those Who Serve Our Nation
VA loans, backed by the U.S. Department of Veterans Affairs, offer eligible veterans, active-duty service members, and their families exceptional advantages.
- Tailored financing to offer veterans and active-duty personnel accessible solutions.
- Little to no down payment requirements for eligible borrowers.
- Lower your monthly costs — no private mortgage insurance (PMI) required.
- Less stringent qualifying criteria, simplifying the process.
- Personalized support from our local team throughout the application process.
TruHome Solutions
The Mortgage Service You Deserve
As TVFCU Mortgage grows, we’re teaming up with TruHome Solutions to help service our first mortgages, second mortgages, and land loans. It's the same TVFCU service, now with state-of-the-art technology behind it.
Visit the TruHome website
Meet Our Team
With better rates, faster approvals, and more loan options than ever, TVFCU is ready to be your go-to, award-winning mortgage team. Let’s make home happen.
Terri Sliger
NMLS #593715
Internet Applications & Contact Us Inquiries
Lee Cox
NMLS #657733
Eastgate Branch, Hamilton Place Branch, East Ridge Food City Branch, Lee Highway Food City Branch, East Hamilton Food City Branch
Jennifer Cheatham
NMLS #593676
South Cleveland Branch, Athens Branch, Ocoee Food City Branch, Etowah Food City Branch
Wendee Gibson
NMLS #501420
North Cleveland Branch, Ooltewah Branch, West Cleveland Food City Branch
Holly Graham
NMLS #2180982
Hixson Branch, Highway 58 Branch, Red Bank Food City Branch, Volkswagen Branch
Linda Wright
NMLS #659353
Kimball Branch, City Center Branch, Southside Branch, TVA Branch
Mary Penagos
NMLS #1237527
Dalton Branch, Chickamauga Branch, Chatsworth Food City Branch, Roper Branch
Terri Sliger
NMLS #593715
Internet Applications & Contact Us Inquiries
Lee Cox
NMLS #657733
Eastgate Branch, Hamilton Place Branch, East Ridge Food City Branch, Lee Highway Food City Branch, East Hamilton Food City Branch
Jennifer Cheatham
NMLS #593676
South Cleveland Branch, Athens Branch, Ocoee Food City Branch, Etowah Food City Branch
Wendee Gibson
NMLS #501420
North Cleveland Branch, Ooltewah Branch, West Cleveland Food City Branch
Holly Graham
NMLS #2180982
Hixson Branch, Highway 58 Branch, Red Bank Food City Branch, Volkswagen Branch
Linda Wright
NMLS #659353
Kimball Branch, City Center Branch, Southside Branch, TVA Branch
Mary Penagos
NMLS #1237527
Dalton Branch, Chickamauga Branch, Chatsworth Food City Branch, Roper Branch
Frequently Asked Questions
A mortgage pre-qualification is an initial assessment by a lender that gives you an estimate of how much you might be able to borrow for a home loan, based on basic financial information you provide.
A down payment is the initial amount of money you pay upfront toward the purchase of a home when you get a mortgage. It’s typically expressed as a percentage of the home’s purchase price.
For example, If you’re buying a $300,000 home and put down 10%, your down payment is $30,000 (and you’d finance the remaining $270,000 with a mortgage).
TVFCU does not charge any upfront fees for applying for a mortgage. As part of the loan closing, there are costs that are typically associated with obtaining the loan.
Finding out your buying power starts with getting pre-qualified for a loan. Understanding your gross monthly income, your total monthly debts, your credit score, and how much money you have available to use as a down payment are the first steps in the process.
Personal Banking Solutions
CREDIT CARDS
Start Spending Smarter
Get convenient and flexible spending power, packed with benefits.
Learn MorePERSONAL LOANS
Flexible Financing For Every Need
New car? Vacation? Surprise expense? We’ve got you covered.
Learn MoreHOME EQUITY
Tap Into Your Home’s Value
Leverage your home equity for flexible and affordable financing.
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