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Don’t just get a home loan. Get a home team.

Rates

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing

The truth is, getting a mortgage loan1 is a complex process. Don’t let anyone tell you it’s not. The terms can be confusing, and yes, you have to provide and review a lot of information. But we’re here — like, right here — to help make getting a mortgage easy and manageable for you.

Why? Because we’re not only local, we’re vested in your best interest. We want you to have that dream home. So, we’ll answer your questions, guide you through the process, help you make the best choices and be available when you need us. Big lenders just can’t do that like we can.

Like we said, we’re a non-profit credit union, which means our first priority is you, not our own profits. In fact, we’re here to save you money and make your life easier. Here, you come first. And when it comes to getting a mortgage, that’s really, really important.

How much home can I afford?

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What type of mortgage do I need?

Here’s another reason to get a mortgage with Family Trust: We’ll make sure you get the right loan for your home purchase and your budget. And that matters.

You see, there are a lot of different kinds of mortgages. And getting the wrong loan is not a small deal. In fact, it can end up costing buyers a lot of money in some cases.

But at Family Trust, again, we’re here to make your life richer, not boost our bottom line. Our goal is to make you a homeowner who can afford your monthly payments and enjoy the long-term benefits of home ownership. In other words, we’re not trying to make a buck. We’re helping you buy a home.

 

Types of mortgage loans and programs we offer:

First-Time Homebuyers Program

We love to help first-time homebuyers become first-time homeowners. See our First-Time Homebuyers Guide for a list of what you’ll need to apply for a mortgage loan1, frequently asked questions and a list of common mortgage terms.

Fixed-Rate Mortgages

One of the most common types of mortgage loans

  • Fixed interest rate for the life of the loan
  • Fixed monthly payments for the life of the loan
  • Terms of 10, 15, 20 and 30 years available
  • Purchase with as little as 0% down with our 100% Mortgage Financing Program2

 Adjustable-Rate Mortgages1

An option for first-time homebuyers or those who don’t plan to stay in the home very long

  • Fixed rate for a specified number of years
  • After that, the rate adjusts (changes to reflect the current interest rate environment)
  • Several term options are available
  • Purchase with as little as 0% down with our 100% Mortgage Financing Program2

 100% Mortgage Financing

 Financing with no down payment required2

Jumbo Loans

Options are available for loans over $510,4003

Refinancing

Pay off your loan sooner with our Independence Mortgage4

  • Options to help you pay off your mortgage sooner
  • 7, 10 or 15-year terms
  • No PMI required
  • We’ll pay up to $600 in closing costs5
  • Easy application in digital banking

USDA, FHA & VA Mortgage Loans

Government-insured mortgage loans with flexible requirements to help more people become homeowners

  • USDA Rural Development Guaranteed Loans6
    • Lower or no down payment requirements
    • Affordable interest rates and flexible loan terms
    • Fixed-rate options available
    • Available for stick-built homes within eligible rural areas and applicants who have a household income that does not exceed the established limits where the home is located
  • FHA Mortgage Loans7
    • Low 3.5% down payment
    • Rate and Term Refinance option with loan-to-value ratio up to 97.75%
    • Affordable interest rates and flexible loan terms
    • Fixed-rate mortgage options
    • Available for stick-built homes
  • VA (U.S. Department of Veterans Affairs) Loans8
    • For eligible American veterans
    • Low or no down payment requirements
    • Affordable interest rates and flexible loan terms
    • Fixed-rate mortgage options
    • Available for stick-built homes
    • No Private Mortgage Insurance (PMI) requirements     

1. To apply for a mortgage loan, you must be 18. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Rates and terms may vary depending on the collateral, loan to value and mortgage loan product. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.

2.  To apply for 100% financing, you must be 18 and have a credit score of at least 700. Qualification is based on creditworthiness, income and other underwriting factors. and is subject to approval. Rates and terms may vary depending on collateral, loan to value, and is subject to change. 100% mortgage financing is only offered for owner occupied residences, excluding non-warrantable condominiums and manufactured homes, and is only offered for fixed rate mortgage products or 5/1 and 7/1 ARMs. Maximum loan amount is $510,400. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.  

3.  To apply for a Jumbo Loan, you must be 18 and have a credit score of at least 720. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Rates and terms may vary depending on collateral, loan to value and is subject to change. Jumbo Loans are only offered for owner-occupied primary residences, excluding non-warrantable condominiums and manufactured homes, and are only offered for fixed rate mortgage products or 5/1 and 7/1 ARMs. Minimum loan amount is $510,400. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.  

4.  To apply for an Independence Mortgage loan, you must be 18 to apply and have a credit score of at least 700. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Rates and terms may vary depending on collateral, loan to value and is subject to change. Loan amount must be between $15,000 and $250,000 and must be refinancing the first mortgage of an owner-occupied primary residence, not to exceed 70% loan to value, excluding manufactured homes. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.

5.  Family Trust will apply a $600 credit towards qualifying closing costs at the time of closing, and the loan must close in order to receive the $600 credit. Closing costs above the credit amount are the sole responsibility of the borrower. If refinancing a current Independence Mortgage, closing cost of up to $600 will only be paid if the mortgage being refinanced has existed for at least three years.  

6.  For requirements and eligibility, visit USDA Housing Program or contact us at 803-367-4100.

7.  For requirements and eligibility, visit HUD FHA Resources or contact us at 803-367-4100. 

8.  For requirements and eligibility, visit VA Home Loans or contact us at 803-367-4100.

The SAFE Act requires a mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry and provide their Mortgage Loan Originator Identifier number to a consumer when engaging in a mortgage loan transaction. You may obtain information about the Mortgage Loan Originator by accessing the Nationwide Mortgage Licensing System and Registry.

NMLS Identifier Number: 493819

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