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Affordable, Flexible Programs


As an important financial decision, you can turn to us for funding when purchasing or refinancing a home. Our experienced and friendly mortgage professionals are ready to help find a loan that's just right for you with:


  • Personal service
  • Competitive rates
  • Flexible underwriting
  • Low closing costs
  • Ease of application
  • Lot sizes up to 15 acres

Fixed Rate Mortgages

Choose from Conventional and VA fixed rate mortgage loans with any budget fitting term up to 30 years. Want to avoid paying Private Mortgage Insurance? We can help you decide which option is best for your situation.

Adjustable Rate Mortgages

We offer several different adjustable rate mortgage programs to meet your needs. These loans feature our lowest initial rates with fixed rate periods of up to seven years are available.

First-Time Homebuyer Mortgages

If you are purchasing your very first home, our First-Time Homebuyer programs could be the perfect way to get started. We offer options with fixed or adjustable rates, as well as low or no down payment. Home ownership counseling may be required for some programs.

Pledge Program

If you have savings to use as collateral, your loan amount can be for 100% of the purchase price. A VUCU certificate account of your choice is pledged as additional collateral. You get the benefit of more favorable loan terms while continuing to earn interest on the account and avoiding early withdrawal penalties.

No Closing Costs Mortgage

To minimize your initial cash investment, consider our No Fees Mortgage Loan. For a slight increase in your monthly payment, we will pay all of your closing costs (does not include prepaid expenses, PMI or VA funding fee). This option can be combined with any of our fixed rate loan products

Land Loans

If you want to buy that spot on which to one day build your dream house, we can help! We can lend on land up to 15 acres in size for a term of up to 10 years.

Mortgage Loan Request

For more information, call 615-936-0300.

For additional consumer information from the Federal Reserve.

All loans are subject to credit approval and appraised value of the house. Payment includes principal and interest. Check with your tax advisor about tax deductibility of interest. VUCU is an Equal Housing Lender.