Truity Credit Union

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Buy or Build

Truity Credit Union offers many mortgage options, including fixed and adjustable low rate loans, government loan options, jumbo mortgages, options on vacation homes, second homes, or investment properties, plus construction options.
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Home Loans > Mortgages
Fixed-Rate and Adjustable-Rate Mortgages (ARMs)

Home Loans

If you are a first-time home buyer, learn about the loan process and required documentation.

Fixed-Rate Mortgage

A fixed-rate mortgage has an interest rate that remains the same for the life of the loan—giving you a consistent payment plan.

Adjustable-Rate Mortgage (ARM)

An ARM is a home loan with an variable interest rate. This means that the monthly payments can go up or down.

Jumbo Loans

If you’re planning a large home purchase, Truity's jumbo loans can give you the financing you need for the home you want.

Second and Vacation Homes

We can help get you into your dream vacation home with great options and low rates on second-home financing.

Investment Property Loans

Investment property loans help you purchase homes to rent out for extra income or to flip and sell for a profit.

Apply Now or View Rates

Building a New Home

Construction Options

Building a home or thinking about building a home? We have a number of programs to help you finance the construction phase of your project. We can finance your home once it is complete, too.

Learn More or Apply Now or Talk to a Mortgage Expert

Mortgage loans insured or guaranteed by the federal government

Government Loans

VA, USDA and FHA first time home buyer programs offer $0 down / low down payments, low interest rates and relaxed credit standards.

FHA Loans

For first-time homebuyers seeking a low down payment

VA Loans

A mortgage loan for qualified military members.

USDA Loans

Zero-down-payment mortgages for low-income rural and suburban homebuyers.

Need help with an FHA, VA, or USDA Loan?

Talk to a Mortgage Expert

Find a Mortgage Expert

From the time you apply until the time you sign, you'll work with the same expert.

Meet the Team

Get Prequalified

The first step in buying a home is getting prequalified—which helps you know how much you can borrow for a home.

Get Prequalified

Home Loans
Made Simple

Applying for a home loan can feel overwhelming.
We're here to help!

Our helpful booklet, Shopping for a Home, de-mystifies the mortgage process and helps you walk you through the ins and outs of selecting, applying for and obtaining a mortgage.

Learn More

Serving up unsurpassed experiences

“I have to say this is the single most pleasant experience I’ve had with a financial institution in the 20 years I’ve had to work with them, business or otherwise. I am telling everyone I talk to how great Truity and the people there have been to us.”

Jean V.


Truity Federal Credit Union’s NMLS Institution ID# 619450

  • We do not allow you to lock your interest rate online. A Loan Officer will contact you to lock your rate after you submit your application and pay your application deposit.
  • The actual interest rate offered and Annual Percentage Rate (APR) is based on your credit history, product, loan term and the percentage of remaining equity in your home, and may be different than the rate displayed here. The rates shown on this page are for borrowers with excellent credit and are subject to change without notice.
  • You should always consult a tax advisor about deductibility.
  • Adequate homeowner's insurance coverage is a requirement for this loan.
Equal Housing LenderWe do business in accordance with the federal Fair Housing Law and the Equal Credit Opportunity Act.