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ECU Relocation Rewards®

Experience the extraordinary difference with ECU's relocation program.

Life is full of surprises, and moving to a new city can be overwhelming. ECU's Relocation Rewards Program is here to help you every step of the way.


Favorable Interest Rates* - We offer a lower interest rate to our relocation members on their first mortgage.

Extended Rate Lock Option* -While most lenders will only lock your mortgage interest rate for 60 days, ECU offers a 90-day rate lock for relocation members.

Competitive Interest Rate for "Jumbo" Loans* - ECU offers very competitive rates for loans exceeding the conforming market amount. In addition to the already competitive rate, relocation members will receive the rewards discount.

Low and No Down Payment Options* - Saving money for a down payment on your new home can be difficult. ECU offers mortgage products with low or no down payment options.

No Upfront Fees - The relocation expense can be significant; therefore, we do not require upfront fees to apply or lock your interest rate at ECU. The fees associated with your mortgage loan will be collected at closing. Based on your employer, ECU also offers direct reimbursement of employer-paid closing costs.

Streamlined Application & Closing - ECU has the technology to ensure the process is quick, convenient, and efficient. You may apply by phone, in person, or online.

How to Qualify?

To qualify for the ECU Relocation Rewards Program, you must be a newcomer who has relocated 50 miles one-way and act on the offer within 12 months of relocating to the area.

*Loans subject to credit approval. Certain restrictions may apply. Final pricing will be determined upon completion of the ECU loan application.

Contact a Mortgage Relationship Manager

For more information, please contact a Mortgage Relationship Manager below.

Russell Herndon

Russell Herndon

Mortgage Relationship Manager, 159 Cook Street, Abingdon, VA 24210
Office: 276-619-2608
Mobile: 423-440-9366
Nikki Frazier

Nikki Frazier

Mortgage Relationship Manager, 421 North State of Franklin Road, Suite 400 Johnson City, TN 37604
Office: 423-262-1244
Mobile: 423-444-6918
Dayton Cargill

Dayton Cargill

Mortgage Relationship Manager, 3188 Nealy Way, Longview, TX 75605
Office: 903-803-2934
Mobile: 903-576-0306
Jeff Axley

Jeff Axley

Mortgage Relationship Manager, 190 Community Center Drive, Suite 104, Pigeon Forge, TN 37863
Office: 423-262-1246
Mobile: 865-776-5542
Michael Carter

Michael Carter

Mortgage Relationship Manager, 730 Commonwealth Drive, Norton VA 24273
Office: 276-619-2604
Mobile: 423-444-3760
Tamara Roller

Tamara Roller

Mortgage Relationship Manager, 201 South Wilcox Drive, Kingsport, TN 37660
Office: 423-262-5046
Mobile: 423-444-6893
Sabra Hayden

Sabra Hayden

Mortgage Relationship Manager, 255 Marketplace Blvd., Johnson City, TN 37604
Office: 423-722-1201
Mobile: 423-440-2528
Heather Baugh

Heather Baugh

Construction Relationship Manager, 3188 Nealy Way, Longview, TX 75605
Office: 903-803-2932
Mobile: 903-576-8304