Mortgage Loans
{"items":[{"heading":"Construction Seminar","startDate":"August 13 at 12:00pm ET","url":"/resources/seminars-events/tennessee/construction-seminar-(1)","summary":"August 11, 2020 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Home Selling Seminar","startDate":"September 1 at 12:00pm ET","url":"/resources/seminars-events/tennessee/home-selling-seminar-(1)","summary":"September 8, 2020 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"September 1 at 12:00pm ET","url":"/resources/seminars-events/texas/home-buying-seminar-(1)","summary":"September 22, 2020 — 6PM.
Courtyard by Marriott Longview North
1125 E Hawkins Pkwy
Longview, TX 75605","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"October 1 at 12:00pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar","summary":"July 14, 2020 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"October 22 at 12:00pm ET","url":"/resources/seminars-events/texas/construction-seminar-(1)","summary":"October 20, 2020 — 6PM.
Courtyard by Marriott Longview North
1125 E Hawkins Pkwy
Longview, TX 75605","lat":"","lng":""},{"heading":"Home Selling Seminar","startDate":"November 12 at 12:00pm ET","url":"/resources/seminars-events/texas/home-selling-seminar-(1)","summary":"August 25, 2020 — 6PM.
Courtyard by Marriott Longview North
1125 E Hawkins Pkwy
Longview, TX 75605","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"January 23 at 2:23pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(4)","summary":"October 1, 2020 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Transforming Social Security into a Winning Retirement Strategy","startDate":"February 24 at 4:03pm ET","url":"/resources/seminars-events/texas/transforming-social-security-into-a-winning-re-(1)","summary":"October 13, 2020 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","lat":"","lng":""},{"heading":"Shred Day - Bristol, VA","startDate":"July 18 at 8:00am ET","url":"/resources/seminars-events/virginia/shred-day-bristol,-va","summary":"July 18, 2020 – 8AM - 12PM or until trucks reach maximum capacityLee Highway Branch
16501 Highlands Center Blvd
Bristol, VA 24202","lat":"","lng":""},{"heading":"Shred Day - Gray, TN","startDate":"September 26 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-gray,-tn","summary":"September 26, 2020 – 8AM - 12PM or until trucks reach maximum capacityGray Branch
384 Roy Martin Rd
Gray, TN 37615","lat":"","lng":""},{"heading":"Shred Day - Blountville, TN","startDate":"October 3 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-blountville,-tn","summary":"October 3, 2020 – 8AM - 12PM or until trucks reach maximum capacityBlountville Branch
1911 Hwy 394
Blountville, TN 37617 ","lat":"","lng":""},{"heading":"Transforming Social Security into a Winning Retirement Strategy","startDate":"October 6 at 11:30am ET","url":"/resources/seminars-events/tennessee/transforming-social-security-into-a-winning-re-(3)","summary":"October 6, 2020 — 11:30 AM
The Crown Center at Food City
1205 N Eastman Road
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Transforming Social Security into a Winning Retirement Strategy","startDate":"October 6 at 6:00pm ET","url":"/resources/seminars-events/tennessee/transforming-social-security-into-a-winning-re-(4)","summary":"October 6, 2020 — 6:00PM
The Press Room at Food City
300 Clinchfield Street
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Shred Day - Greeneville, TN","startDate":"October 1 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-greeneville,-tn","summary":"October 10, 2020 – 8AM - 12PM or until trucks reach maximum capacityGreeneville Branch
3811 E. Andrew Johnson Hwy
Greeneville, TN 37745","lat":"","lng":""},{"heading":"Transforming Social Security into a Winning Retirement Strategy","startDate":"October 15 at 6:00pm ET","url":"/resources/seminars-events/virginia/transforming-social-security-into-a-winning-re-(1)","summary":"October 15, 2020 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Transforming Social Security into a Winning Retirement Strategy","startDate":"October 22 at 6:00pm ET","url":"/resources/seminars-events/tennessee/transforming-social-security-into-a-winning-re-(5)","summary":"October 22, 2020 — 6PM
The Depot at Food City
920 N State of Franklin Road
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Shred Day - Kingsport, TN","startDate":"October 24 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-kingsport,-tn-(2)","summary":"October 24, 2020 – 8AM-12PM or until trucks reach maximum capacityMeadowview Branch
2021 Meadowview Lane
Kingsport, TN 37660 ","lat":"","lng":""},{"heading":"Planning for Healthcare in Retirement","startDate":"November 3 at 6:00pm ET","url":"/resources/seminars-events/tennessee/planning-for-healthcare-in-retirement-(1)","summary":"November 3, 2020 — 6:00PM
The Press Room at Food City
300 Clinchfield Street
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Planning for Healthcare in Retirement","startDate":"November 5 at 6:00pm ET","url":"/resources/seminars-events/tennessee/planning-for-healthcare-in-retirement","summary":"November 5, 2020 — 6PM
The Depot at Food City
920 N State of Franklin Road
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Planning for Healthcare in Retirement","startDate":"November 17 at 6:00pm ET","url":"/resources/seminars-events/virginia/planning-for-healthcare-in-retirement","summary":"November 17, 2020 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Planning for Healthcare in Retirement","startDate":"November 17 at 6:00pm ET","url":"/resources/seminars-events/texas/planning-for-healthcare-in-retirement","summary":"November 17, 2020 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","lat":"","lng":""}]}

Features

Do you dream of owning your own home, but you're overwhelmed by the amount required for your down payment? ECU is here to help with an ECU 100 Mortgage.

This program helps eliminate some of the stresses associated with a traditional mortgage loan by offering up to 100% financing, which means no down payment. And we'll be right beside you every step of the way from application to closing. Your loan is processed, approved and serviced right here at ECU.

  • Up to 100% financing available - even if you're not a First Time Home Buyer (purchases only)
  • No Private Mortgage Insurance (PMI) required
  • Fixed and adjustable rate options available

Find a Loan Officer    

Learn More:

  • Apply for a Mortgage

    Completing our online application is as easy as 1-2-3. Get started today!

  • ECU Title & Escrow

    ECU Title & Escrow is a full-service real estate settlement company that helps members complete the home buying or selling experience at an ECU branch.

  • Find a REALTOR

    Realtors are knowledgeable in many phases of the home buying and home selling process and can be a valuable resource to you.

  • Watch Mortgage Videos

    Have questions about purchasing, building or selling a home? Check out these helpful videos, covering a broad range of mortgage topics.

Have Mortgage Questions?

Calculate Your Answers


So many financial decisions are involved when purchasing or refinancing a home. Should you buy or rent? Will refinancing save you money? How much would your monthly payments be? Our calculators are designed to answer these questions and more.

Mortgage Calculators

Compare Mortgages

Which loan is right for you? See the chart below for unique features of each. If you need help, please contact us or give us a call at 800.999.2328.

Loan TermMaximum Loan To ValueTermMortgage InsurancePrepayment Penalty
Fixed & Adjustable Rate Mortgages97.00%15/20/30 yearYesNo
Federal Housing Administration (FHA)96.50%15/30 yearYesNo
Veterans Administration (VA)100.00%15/30 yearYesNo
USDA100.00%30 yearYesNo
First Time Home Buyers Program105.00%30 yearNoNo
ECU 100 Mortgage100.00%15/20/30 yearNoNo
ECU Purchase Plus105.00%15/30 yearNoNo

FAQs

  • What is the ECU 100 Mortgage?

    The ECU 100 Mortgage is a home loan designed to help buyers who are not first-time homebuyers with the costs of traditional expenses associated with a mortgage loan. This loan offers a no down payment option, no Private Mortgage Insurance (PMI) requirement, and up to 100% financing on the purchase price of the home.

  • What type of housing can I finance with the ECU 100 Mortgage?With the ECU 100 Mortgage, the home must be an owner-occupied primary residence on a traditional stick built, single-family dwelling home. Manufactured homes and condos are not eligible.
  • Are closing costs associated with the ECU 100 Mortgage?Yes. There are closing costs with the ECU 100 Mortgage loan. Funds can come from flexible sources such as gift monies or a secured loan.

Traditional Mortgage Products


Eastman Credit Union offers a variety of traditional and specialty loans.

Home Equity Products


Eastman Credit Union offers a variety of loan options customized for you.

 

View Home Equity Products

Government Loans


Government Loans can be a great option for many people.  To learn more about how ECU can help you with a government loan, use the links below.