Routing #264279567

Buy A Home

We appreciate your interest in a mortgage loan with Knoxville TVA Employees Credit Union! Due to the current low-interest rates, we are experiencing a very high loan volume. Thank you in advance for your patience as our response time is 2-3 business days.


Because your home is where life happens.

Whether you are shopping for a new home or looking to refinance, our team of trusted advisors is here to help! Our licensed loan officers work with you to find the best home loan solution for YOU. We do the heavy lifting, so you can get back to what matters most in life!

Home Loans Focused On You

  • Competitive Rates
  • No PMI Options
  • Online/Mobile Application



What you will need to start your application:

  • Two forms of identification (including one photo ID)
  • Two-year work history
  • Most current paystub (last 30 days)
  • W-2s and tax returns from the last two years
  • Bank statements from the last two months
  • Two-year address history
  • Homeowner insurance company name and phone number
  • Sales contract (purchase loans)
  • Property tax amount and homeowner's association dues

 Restrictions apply. Not a government-affiliated agency. All applications are subject to underwriting guidelines and approval. Ask for details.

Rate Options


There are many types of home loans available, but fixed-rate loans remain the most popular among homebuyers because of the stability it provides. The most common terms for fixed-rate loans are 15 and 30 years, but other terms are available. 

  • Interest rate and monthly principal and interest (P&I) remain the same for the life of the loan
  • Variety of terms available
  • Predictable monthly payments make budgeting simple
  • Protection from possible rising interest rates for the life of the loan
  • May be a good choice if you plan to stay in your home for a longer period of time


Life sometimes takes you to new places. An adjustable-rate mortgage can help you stay flexible!

  • Interest rates and monthly principal and interest (P&I) payments stay the same for a defined period of time, then may increase or decrease for the remainder of the loan
  • Variety of terms available
  • Typically offer a lower initial interest rate
  • Includes an interest rate cap limiting the maximum amount your P&I can increase 
  • May provide flexibility if you expect future income growth or plan to move in the near future

Loan Options

  • Conventional
  • FHA
  • VA
  • USDA/Rural
  • FNMA Home Ready
  • Manufactured Homes
  • Investment/Rental Property
  • Lot or Home Site