{"items":[{"heading":"Shred Day - Bristol , VA","startDate":"May 5 at 8:00am ET","url":"/resources/seminars-events/virginia/shred-day-bristol-,-va","summary":"May 5, 2018 — 8AM-12PMLee Highway Branch
16501 Highlands Center Blvd
Bristol, VA 24202","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"February 13 at 12:07pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(3)","summary":"August 28, 2018 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"February 13 at 6:00pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(2)","summary":"May 22, 2018 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"February 27 at 6:00pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(1)","summary":"February 27, 2018 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Shred Day - JC","startDate":"April 21 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-jc","summary":"April 21, 2018 – 8AM-12PMJohnson City Branch
255 Marketplace Blvd
Johnson City, TN 37604 ","lat":"36.340680","lng":"-82.406190"},{"heading":"Shred Day - Mt. Carmel","startDate":"April 28 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-mt-carmel","summary":"April 28, 2018 – 8AM-12PMMt. Carmel Branch
166 W. Main Street
Mt. Carmel, TN 37645 ","lat":"36.542708","lng":"-82.659130"},{"heading":"Shred Day - Greeneville","startDate":"May 19 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-greeneville","summary":"May 19, 2018 – 8AM-12PMGreeneville Branch
3811 E. Andrew Johnson Hwy
Greeneville, TN 37745 ","lat":"","lng":""},{"heading":"Shred Day - Blountville","startDate":"September 15 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-blountville","summary":"September 15, 2018 – 8AM-12PMBlountville Branch
1911 Hwy 394
Blountville, TN 37617 ","lat":"","lng":""},{"heading":"Shred Day - Gray","startDate":"September 29 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-gray","summary":"September 29, 2018 – 8AM-12PMGray Branch
384 Roy Martin Road
Gray, TN","lat":"36.418432","lng":"-82.467689"},{"heading":"Shred Day - Gate City","startDate":"October 6 at 8:00am ET","url":"/resources/seminars-events/virginia/shred-day-gate-city","summary":"October 6, 2018 – 8AM-12PMGate City Branch
265 Jones St.
Gate City, VA 24251 ","lat":"","lng":""},{"heading":"Shred Day - Meadowview","startDate":"October 13 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-meadowview","summary":"October 13, 2018 – 8AM-12PMMeadowview Branch
2021 Meadowview Lane
Kingsport, TN 37660 ","lat":"","lng":""}]}


With ECU, it’s not just about making sure you receive a great mortgage product. We go the extra mile to give you exceptional service. It’s a difference you’ll feel the moment you speak with an ECU mortgage loan specialist.

  • ECU offers low payment, low rate, and low or no down payment options on mortgage loans customized to fit your needs.
  • Convenient fixed and adjustable rate options available.
  • Friendly, professional mortgage specialists that provide the resources you need to make your new home purchase a smooth transaction.
  • We service your mortgage loan from start to finish. From the time you apply until the day you make your final payment, your mortgage never leaves our hands.

Mortgage Calculators  Find a Loan Officer   See Special Offers   Apply Now  


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.

Traditional Products

Offering low payment, low rate, and low or no down payment options, ECU mortgage loans feel just like home.

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.

Home Equity Products

Use the equity in your home to renovate, remodel, pay off bills, fund a college education and more.  ECU has great options for you!

Home Equity Products

Mortgage Loan Rates

Mortgage rates are always changing. 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 TermRateAPRPoints
15 Year Fixed Rate3.875%4.164%1.000%
30 Year Fixed Rate4.375%4.541%1.000%
5/1 Year Adjustable Rate-30 Year3.875%4.431%0.000%
30 Year Fixed First Time Homebuyers5.625%5.711%0.000%

Rates accurate as of February 20, 2018 and are subject to change.

Example: 30-year fixed rate loan of $150,000 with a 5% down payment, an annual interest rate of 5.000%, and an APR of 5.425%, would result in 360 monthly principal and interest payment of $805.23. Payment does not include amounts for taxes and insurance premiums.

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 yearYesNo
ECU 100 Mortgage100.00%15/20/30 yearNoNo
ECU Purchase Plus100.00%15/30 yearNoNo


  • Should I pre-qualify for a loan before I find a property to purchase? Why?With a mortgage loan pre-qualification, we’ll review your finances and estimate the maximum amount of loan for which you would qualify. Knowing how much home you can afford to buy upfront saves time when you start house hunting. It’s also beneficial to your real estate agent and the seller to know you actually qualify for a mortgage loan and are serious about purchasing the home.
  • What can I expect when I apply for a mortgage?

    First, you'll complete our on-line application.

    The application will ask you questions about the home and your finances and takes less than 20 minutes to complete. As soon as you've finished the application, we'll review your request for instant approval. If your application is approved on-line, we can begin to process your request immediately.

    After completing your application, a Loan Officer will contact you to introduce himself or herself and to answer any questions you may have. If your request wasn't approved on-line, he or she will ask you for any information required to make a decision about your loan.

    If you are purchasing a new home, the Loan Officer will also contact the Real Estate Broker.

    We'll send you an application package by mail or secure email.

    The application package will contain papers for you to sign and a list of items we'll need to verify the information you provided about your finances during the on-line application.

    We'll order the appraisal from a licensed appraiser who is familiar with home values in your area.

    Title insurance will be necessary. We'll use the title insurance to confirm the legal status of your property and to prepare the closing documents.

    After we receive the application packet back from you and the appraisal, the Closing Agent will contact you to schedule your loan closing. If you are purchasing a home, they will also schedule the closing with the real estate broker and the seller.

    The closing will take place at the office of a title company or attorney in your area who will act as our agent.

    That's all there is to it! You're on your way to the most convenient home loan ever!

  • Is there a fee charged or any other obligation if I complete the online application?There’s no cost at all for completing our application. After your loan is approved, you can decide whether you wish to lock in an interest rate and we can begin to process your request.
  • What is a credit score and how will my credit score affect my application?

    A credit score is one of the pieces of information that we'll use to evaluate your application.

    Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by lenders. Credit scores are calculated by comparing your credit history with millions of other consumers. They have proven to be a very effective way of determining credit worthiness.

    Some of the things that affect your credit score include your payment history, your outstanding obligations, the length of time you have had outstanding credit, the types of credit you use, and the number of inquiries that have been made about your credit history in the recent past.

    Credit scores used for mortgage loan decisions range from approximately 300 to 900. Generally, the higher your credit score, the lower the risk that your payments won't be paid as agreed.

    Using credit scores to evaluate your credit history allows us to quickly and objectively evaluate your credit history when reviewing your loan application. However, there are many other factors when making a loan decision and we never evaluate an application without looking at the total financial picture of a member.

Find a Mortgage Loan Officer

Eastman Credit Union has loan officers ready to help with all of your home financing needs! 

Find My Loan Officer