Mortgage Loans
Our competitive, fixed rate mortgages offer the key to opening the door to your dream home with a loan that focuses on benefitting you.
Apply Online or Schedule an Appointment with one of our team members today.
Fixed Rate 1st Mortgage
- 15 and 20 year terms available
- Refinancing options available
- Competitive rates and low fees
- Minimum loan: $7500
- Maximum loan: $250,000
- Equity calculation allows for 90% of the appraised value or 80% of property valuation assessment.
Take advantage of the value of your home to fund your dream projects and ventures. Below are our home equity options.
Fixed Rate 2nd Mortgage
- 15 year terms available
- Fixed rate home equity
- Competitive rates and low fees
- Minimum loan: $7500
- Maximum loan: $100,000
- Equity calculation allows for 90% of the appraised value or 80% of property valuation assessment.
Home Equity Line of Credit
- Adjustable rate
- 15 year term with a 10 year draw
- Rate adjusts quarterly on the first day of January, April, July, and October
- No caps on adjustments/Maximum Annual Percentage Rate 18%
- Minimum loan: $7500
- Maximum loan: $100,000
- Minimum first draw: $1000
- Minimum subsequent draw: $500
- Equity calculation allows for 90% of the appraised value or 80% of property valuation assessment.
Meet Our Team
Ashley Hicks, VP of Lending
NMLS# 2020695
Denice Kemper, Loan Officer
NMLS# 2363675
Ashley Payne, Loan Processor
DCTFCU NMLS# 449421