Routing #264279567

Home Refinance

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.

Happiness is Homemade

Love your home but wish you could improve your rate? Refinancing your home loan may be the best option for you. Knoxville TVA Employees Credit Union aims to get you the lowest rate possible. With our refinancing options, you can lower your rate and enjoy your dream home even more!



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.


Feel stable and secure in your home with a fixed-rate mortgage!

  • 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 defined period of time, then may increase or decrease for 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