Home Loans

We know that mortgages are not one size fits all. Our partnership with myCUmortgage allows Lowland Credit Union to offer mortgage solutions to meet your financial needs, whether you are buying a home or refinancing your current mortgage.


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Real estate loans added to the portfolio by the credit union may be made in the following counties of East Tennessee: Blount, Claiborne, Cocke, Grainger, Greene, Hamblen, Hancock, Hawkins, Jefferson, Knox, Sevier, Sullivan, or Washington. Note that homes currently listed for sale are not eligible for refinancing.

Federal Fair Housing Act
Lowland Credit Union is an equal housing lender and will conduct business in accordance with the Federal Fair Housing Act. The credit union will not discriminate against any member on the basis of age, race, color, national origin, religion, sex, familial status or disability regarding loans for the purpose of purchasing, construction, moving, repairing or maintaining a dwelling. The credit union will comply with all other federal and state laws and regulations.
Loan Officers
See an NMLS-certified loan officer for more details on all real estate loans.
Home Ownership Counseling
Housing counselors throughout the country can provide advice on buying a home, renting, defaults, foreclosures and credit issues. See the Consumer Financial Protection Bureau for a listing of available counselors.
We will work with you to find the mortgage option that is best for you. Lowland Credit Union partners with myCUmortgage to offer these types of loans.
  • Conventional Mortgage
  • Federal Housing Administration (FHA) Loan
  • Veteran's Administration (VA)
  • Adjustable Rate Mortgage (ARM)
  • USDA Rural Development Home Loan
Refinance Your Home
Consider refinancing your home if you need any of the following:
  • Lower monthly payments.
  • Reduce the interest of your mortgage.
  • Pay off your mortgage sooner.
  • You are in an adjustable rate mortgage and want to convert to a fixed rate.
  • You need the equity in your home to pay for an expense or pay off other debt.
  • Two forms of identification (including one photo ID)
  • Most current pay stub(s) (last 30 days)
  • Minimum two year work history
  • Last two years W-2s
  • Last two years signed tax returns
  • Last two months bank statements
  • Two year address history
  • Legal description of property to be financed
  • Homeowner insurance company name and phone number
  • Sales Contract (purchase only)
  • Property tax amount and homeowner’s association dues
  • Mortgage company’s name, account number, balance (refinance only)