A Relationship That Lasts Beyond Closing
Your mortgage journey does not end at closing. At Family Trust, we stay with you after you get the keys by answering questions, supporting refinancing needs, and helping you plan what comes next.
If you are thinking about buying, building or refinancing in Greenville or the surrounding Upstate area, working with a trusted local lender can make all the difference.
Ready to explore your options? Connect with Christy Ross to get started with a free, no-obligation mortgage quote.
Mortgage Options Designed Around Your Life
First-Time Home Buyers
Guidance, education, and programs to help you buy with confidence.
Flexible Mortgage Options
Fixed, construction, adjustable, government-back, and no down-payment options.
Local Support
Work with the same team before, during, and after closing.
Buying, Building or Refinancing a Home in the Upstate? Here’s What to Know Before You Apply
Buying or buidling a home or refinancing one you already own is one of the biggest financial decisions you will make. In a growing market like Greenville, having the right local guidance matters more than ever.
At Family Trust Federal Credit Union, we believe mortgage lending should feel clear, supportive, and personal, not overwhelming. Here are a few things every Upstate homebuyer should understand before starting the process.
Local Decisions Make a Difference
Unlike big national lenders, Family Trust makes mortgage decisions locally. That means your application is reviewed by people who understand the Greenville housing market, local property values, and the realities of buying here. When questions come up, you are working with a real person, not a call center.
Pre-Approval Puts You in Control
Getting pre-approved early helps you understand what you can comfortably afford and shows sellers you are a serious buyer. It also allows your loan officer to identify the best loan programs for your goals before you start house hunting.
More Than One Mortgage Option
No two buyers are the same. Whether you are purchasing your first home, refinancing to lower your payment, or buying your forever home, having access to multiple mortgage options matters. Fixed-rate, adjustable-rate, construction, government-backed, and low or no down-payment loans can all play a role depending on your situation.
What Membership Really Means
At Family Trust, being a “member” simply means you bank with us. That could be a mortgage, loan, checking, or savings account. It is not a special program or exclusive group.
If you live, work, worship, or attend school in one of our eligible counties, you can become a member as part of your mortgage process. Membership gives you access to local service, competitive rates, and long-term financial support.
How the Process Works
1. Get Pre-Approved
Start with a fast, no-obligation pre-approval to understand what you qualify for. Christy will review your financial goals, explain your options, and help you feel confident about your homebuying budget.
2. Explore Your Options
Every homebuyer’s situation is different. Christy will walk you through the mortgage programs that fit your needs – whether it’s a first-time homebuyer loan, refinance, or jumbo loan – so you can make an informed decision with no surprises.
3. Close Confidently
Once you’ve chosen the right mortgage, Christy coordinates with underwriters, appraisers, and title companies to ensure a smooth closing. She keeps you informed every step of the way so your experience is stress-free and predictable.
4. Move Into Your Dream Home
With your financing in place, it’s time to look ahead with confidence! Move into your new home knowing we’ll be here to support you every step of the way, making one of life’s biggest investments smooth, simple, and stress-free.
Greenville Home Loans Made Simple – Trusted Local Mortgage Guidance
Whether you’re buying your first home or refinancing, Christy Ross helps Upstate families find competitive rates and flexible mortgage solutions.
Meet Your Mortgage Loan Officer
Christy Ross
“A home is one of the biggest investments of your life, and I don’t take that lightly. Let’s discuss how I can help to guide you through a supportive refinancing experience.”
With over 30 years of experience helping families in South Carolina and beyond, Christy Ross at Family Trust Federal Credit Union is your trusted partner for all your home financing needs.
Christy helps homeowners lower payments, access equity, or finance their dream home from the ground up while providing personalized guidance, clear solutions, and a supportive experience.
She specializes in home loans, mortgage refinancing, new construction financing, and home equity solutions, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), and first-time homebuyer programs.
Connect with Christy today for expert guidance on your home loan, refinancing, or new construction mortgage needs.
803-982-1989
[email protected]
Get Your Free Mortgage Consultation
Mortgage rates change daily, and your rate depends on your location, finances, and other factors. Reach out to Christy for a personalized, no-cost consultation to explore your options.
Banking That Goes Beyond Your Mortgage
Family Trust Federal Credit Union is your local credit union for everything from everyday banking to personal loans. Stop by our Greenville branch and see how we can support all your financial goals.
Family Trust Greenville Branch: 1800 Laurens Road, Greenville SC
Frequently Asked Questions
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Can I refinance my current mortgage?
Yes! Refinancing your loans from other financial institutions with Family Trust Federal Credit Union can help lower your monthly payments, shorten your loan term, or remove private mortgage insurance (PMI) on select programs. Christy can help you explore your options.
What credit score do I need to apply?
Qualification depends on the loan program and other factors. Christy will review your credit and help identify programs that fit your situation.
What types of mortgages do you offer?
We offer a variety of mortgage programs, including first-time homebuyer loans, fixed-rate mortgages, adjustable-rate mortgages, construction loans, USDA and VA loans, jumbo loans, and refinancing options.
What documents do I need to apply?
Typically, you’ll need proof of income, bank statements, tax returns, and identification. Christy will provide a clear checklist when you get started.
Do I need to be a Family Trust member?
Membership is required, but it’s easy to join when you apply for a mortgage. You can join if you live, work, worship or attend school in:
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South Carolina: Abbeville, Anderson, Cherokee, Chester, Greenville, Greenwood, Lancaster, Laurens, Oconee, Pickens, Spartanburg, Union, or York County.
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North Carolina: Cleveland, Gaston, Lincoln, or Mecklenburg County.
Christy will walk you through the process.
Are decisions made locally?
Yes! Our Greenville-based team makes local lending decisions, helping your application move faster and ensuring a more personalized experience
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