Home Loans
Your Journey Home Starts Here.
Buying your first home. Moving into something new. Refinancing. Using the equity you've built.
Whatever your situation, buying or financing a home can feel like a big step. You don't have to navigate it alone.
GECU's experienced mortgage team will help you understand your options and walk with you from prequalification through closing.
Your First Home Comes With Questions. We're Here to Help.
Buying your first home is exciting, but the process can also feel unfamiliar. Our mortgage team will help you understand your financing options, what to expect and the steps between application and closing.
Greater Experience Credit Union NMLS# 407861
Linda Roberts NMLS# 933094 | Sherry Carver NMLS# 931372
Eligible rural and suburban homebuyers may qualify for USDA financing with no down payment. Talk with our mortgage team about borrower and property eligibility.
100% Financing Mortgages — No down payment required for eligible rural and suburban buyers. Ask us if you qualify.
Greater Experience Credit Union NMLS# 407861
Linda Roberts NMLS# 933094 | Sherry Carver NMLS# 931372
A fixed-rate mortgage keeps the interest rate fixed for the term of the loan, providing predictable principal-and-interest payments.
Lock in your rate and never worry about it changing. Extended financing options available.
Greater Experience Credit Union NMLS# 407861
Linda Roberts NMLS# 933094 | Sherry Carver NMLS# 931372
Exclusive benefits for veterans and active duty military members.
Greater Experience Credit Union NMLS# 407861
Linda Roberts NMLS# 933094 | Sherry Carver NMLS# 931372
Put the Equity You've Built to Work
A GECU Home Equity Line of Credit, or HELOC, allows eligible homeowners to borrow against available home equity and access funds as needed during the draw period.
A HELOC may be useful for home improvements, major expenses or other planned financial needs.
- No annual fee
- No prepayment penalty (early closure fee may apply if closed within 3 years)
- Finance up to 90% of appraised home value
- Easy access to funds at any branch, by phone or through digital banking.
- Rate is variable, based on Prime Rate, and adjusts every 3 years
- During draw period: payments are 1% of outstanding balance or $50, whichever is greater
- Loan stays serviced right here at GECU
- Interest paid may be tax deductible — consult your tax advisor
- Must be primary residence in Tennessee (manufactured/mobile homes not eligible)
Download: HELOC Booklet (PDF)
Next Steps
Talk to Our Team or View Current Rates
*Annual percentage rate. Rate based on creditworthiness. Terms and conditions apply. Underwriting criteria subject to change without notice.